Irvine Mortgage Calculator
Run the numbers on your Orange County property. Factor in local property taxes, HOA dues, and down payment scenarios to find your true monthly carrying cost.
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Why Orange County Calculations Differ
A generic national calculator often defaults to a 1.2% or 1.5% property tax rate. In California, Proposition 13 generally limits the base tax rate to 1% of the assessed value, plus voter-approved bonds (we default to 1.05% for standard Irvine modeling). However, if you are purchasing in a newer development like Great Park, you must account for Mello-Roos special assessments. If applicable, add your estimated annual Mello-Roos into the property tax field to ensure your Debt-to-Income ratios remain accurate.