M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Fresno, CA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Fresno, California.

Median Home Price
$375K
Population
542K
Avg Monthly Rent
$1,380
Property Tax Rate
0.73%
Fresno vs California Median
The median home price in Fresno is $375,000, which is 52% below the California state median of $785,000.

Mortgage Calculator — Fresno, CA

Pre-filled with Fresno median home price and California tax/insurance rates. Adjust for your property.

$
$75,000
%
%
years
CA avg
%
$
Monthly Payment (PITI)
$2,307
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,896
per month
Taxes & Insurance
$411
per month
Total Interest Paid
$383K
over 30 years
Total Loan Cost
$683K
all payments
Payment Breakdown
Loan Amount$300,000
Principal & Interest$1,896
Property Taxes$228
Homeowners Insurance$183
Total Monthly PITI$2,307

Closing Costs — Fresno, CA

Estimated closing costs based on California rates and fees applied to Fresno prices.

$
%
California: Avg closing costs 1.2% of price. Transfer tax: 0.11%.
Estimated Closing Costs
$11,699
3.1% of purchase price
Lender Fees
$3,125
origination, underwriting
Third-Party
$3,325
appraisal, title, inspection
Government Fees
$413
transfer taxes, recording
Prepaids + Escrow
$4,837
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,700
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,175
Recording Fee$150
Transfer Tax$413
Prepaid Taxes (3 mo)$684
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$902
Escrow Reserves$1,051
Total Closing Costs$11,699

Buying a Home in Fresno, California

The median home price in Fresno is $375,000, 52% below the California state median of $785,000. With a population of 542,107, Fresno is a major metro area where home prices tend to be more accessible than in many parts of California.

Property taxes in California average 0.73% annually. This moderate property tax rate means a $375,000 home in Fresno would carry roughly $228/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Fresno is $1,380/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Fresno presents moderate affordability. The $375K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Fresno.
Rent vs Buy Calculator →
Explore all of California: California Mortgage Calculator & Closing Costs →

More Cities in California

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.