M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Visalia, CA

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

Median Home Price
$365K
Population
141K
Avg Monthly Rent
$1,420
Property Tax Rate
0.73%
Visalia vs California Median
The median home price in Visalia is $365,000, which is 54% below the California state median of $785,000.

Mortgage Calculator — Visalia, CA

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

$
$73,000
%
%
years
CA avg
%
$
Monthly Payment (PITI)
$2,251
Principal + Interest + Tax + Insurance + PMI
Share:TwitterFacebook
Principal & Interest
$1,846
per month
Taxes & Insurance
$405
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$222
Homeowners Insurance$183
Total Monthly PITI$2,251

Closing Costs — Visalia, CA

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

$
%
California: Avg closing costs 1.2% of price. Transfer tax: 0.11%.
Estimated Closing Costs
$11,506
3.2% of purchase price
Share:TwitterFacebook
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$402
transfer taxes, recording
Prepaids + Escrow
$4,776
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$402
Prepaid Taxes (3 mo)$666
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$878
Escrow Reserves$1,033
Total Closing Costs$11,506

Buying a Home in Visalia, California

The median home price in Visalia is $365,000, 54% below the California state median of $785,000. With a population of 141,384, Visalia is a mid-size city 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 $365,000 home in Visalia would carry roughly $222/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Visalia is $1,420/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.

Visalia presents moderate affordability. The $365K 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 Visalia.
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.