CALCMONEY // MORTGAGE // CA // DAVIS // 95616
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 95616 in Davis, CA.
$780,000
$624,000
$5,064
$217,021/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $780,000 | $702,000 | $4,600 | $5,575 | 6.85% |
| 20% Down | $780,000 | $624,000 | $4,089 | $5,064 | 6.85% |
| 25% Down | $780,000 | $585,000 | $3,833 | $4,808 | 6.85% |
Total monthly includes principal & interest, property tax (1.1% annual), and estimated homeowners insurance. PMI not included.
Davis University Town (ZIP 95616) sits within Davis, California with a median home price of $780,000 — significantly above the Davis city-wide median of $780,000. At 80% LTV, the typical loan of $624,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 95616 run 1.1% annually, adding $715 per month on the median home. Median household income in this neighborhood is approximately $112,000, placing the price-to-income ratio at 7.0x. California levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.