CALCMONEY // MORTGAGE // CA // DAVIS // 95762
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 95762 in Davis, CA.
$820,000
$656,000
$5,324
$228,150/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $820,000 | $738,000 | $4,836 | $5,861 | 6.85% |
| 20% Down | $820,000 | $656,000 | $4,299 | $5,324 | 6.85% |
| 25% Down | $820,000 | $615,000 | $4,030 | $5,055 | 6.85% |
Total monthly includes principal & interest, property tax (1.1% annual), and estimated homeowners insurance. PMI not included.
El Dorado Hills (ZIP 95762) sits within Davis, California with a median home price of $820,000 — significantly above the Davis city-wide median of $780,000. At 80% LTV, the typical loan of $656,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 95762 run 1.1% annually, adding $752 per month on the median home. Median household income in this neighborhood is approximately $145,000, placing the price-to-income ratio at 5.7x. California levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.