How much is the monthly payment buying a Valencia CA home between 900k to 950k
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How much is the monthly payment buying a Valencia CA home between 900k to 950k
Connor “with Honor” MacIvor - March 29, 2025** Tags: Valencia, [Santa Clarita](/-/Blog/tag/Santa Clarita), [real estate](/-/Blog/tag/real estate), mortgage, [home purchase](/-/Blog/tag/home purchase), [conventional loan](/-/Blog/tag/conventional loan), [FHA loan](/-/Blog/tag/FHA loan), [VA loan](/-/Blog/tag/VA loan), [30-year fixed](/-/Blog/tag/30-year fixed), [down payment](/-/Blog/tag/down payment), [20 percent down](/-/Blog/tag/20 percent down), [percent down](/-/Blog/tag/percent down), [principal and interest](/-/Blog/tag/principal and interest), [monthly payment](/-/Blog/tag/monthly payment), [interest rate](/-/Blog/tag/interest rate), [property tax](/-/Blog/tag/property tax), [homeowners insurance](/-/Blog/tag/homeowners insurance) ** 0 Comments | Add Comment Below is a long-form discussion—aiming for approximately 3,000 words—describing current Valencia, CA properties in the $900,000 to $950,000 range, along with example mortgage calculations for three common financing scenarios (20% down conventional loan, 3.5% down FHA loan, and a VA loan). We’ll also note various property features such as bedrooms, bathrooms, subdivision or area, and monthly HOA dues (where applicable). Please remember all figures stated here are estimates only and can change based on a wide range of factors, including your creditworthiness, down payment amount, exact interest rates, and other individual qualifications. The goal is to provide general insight into the real estate landscape in Valencia, California, specifically around the $900k–$950k price band. For the most up-to-date listings and details, visit SantaClaritaOpenHouses.com/valencia-homes. I’m Connor with Honor—let’s get started!
Introduction and Overview
Valencia is one of the most popular neighborhoods within the Santa Clarita Valley. Known for award-winning schools, abundant parks, gorgeous paseos, and well-maintained communities, Valencia boasts an enviable suburban lifestyle. Buyers seeking homes around $900,000 to $950,000 typically discover an array of single-family residences, each with their own unique charm, floor plans, and, in many cases, homeowner association (HOA) amenities.
Whether you’re a first-time buyer or a seasoned homeowner transitioning to a new property, it’s always important to know what your monthly payment might look like and what each community has to offer. Many factors affect these numbers. Interest rates are top of mind, but you should also account for local property taxes (commonly estimated around 1% to 1.25% of the purchase price in much of California, though it varies), homeowners insurance, any mortgage insurance if the down payment is below 20%, and HOA dues. Together, these create your total “monthly carrying cost,” which is effectively the cost of ownership beyond just principal and interest on the mortgage.
Below, you’ll find (1) a discussion of example monthly payments at a hypothetical interest rate based on a current Bankrate average (we’ve assumed around 6.75% for a 30-year fixed, just for illustration), (2) a sampling of Valencia’s 900k–950k listings with summarized attributes such as beds, baths, community or subdivision name, and approximate HOA fees if known, and (3) disclaimers regarding the nature of these estimates and the need for further individualized analysis.
Example Monthly Mortgage Payments
Before reviewing the properties themselves, let’s look at three popular loan scenarios for a $900,000 purchase price in Valencia. Keep in mind, many of these properties also include an HOA—some around $59 per month, others up to $212 per month, or even more, depending on the community. As an example, let’s assume $100 per month in HOA dues as an “average” figure. Actual properties differ.
1. Conventional Loan with 20% Down
For buyers who can put down 20%, private mortgage insurance (PMI) is typically not required, which helps keep the monthly mortgage portion of your payment lower compared to low-down-payment programs. Of course, property taxes and homeowner’s insurance must be considered; for a $900,000 home, property taxes can easily approach $800 to $1,000 per month, depending on the local tax rate. Insurance could be another $75 to $150 per month, varying by provider and coverage. Adding those to your principal and interest estimate will move the monthly total up further.
2. FHA Loan with 3.5% Down
FHA loans are popular because of their lenient credit requirements, but they do come with mortgage insurance premiums both upfront and monthly. A typical monthly MIP might add an extra few hundred dollars. The exact amount depends on your loan specifics (including loan amount and duration). As with the conventional loan scenario, property tax and insurance are on top of that, plus the HOA.
3. VA Loan with 0% Down
VA loans typically do not require mortgage insurance, but most borrowers pay a VA funding fee (unless exempt). This fee can be financed into the loan, increasing the total principal owed, or paid in cash at closing. In turn, property taxes, insurance, and any HOA dues add on top of these estimates.
Big Disclaimer: The approximate monthly payments given above do not factor in property taxes, homeowners insurance, or specialized mortgage insurance for FHA (beyond a quick mention). They also don’t incorporate nuances like mortgage points, any variable interest rates, or exact underwriting guidelines. For a more accurate figure, contact a reputable lender or mortgage broker who can assess your personal credit profile, debt-to-income ratio, and down payment to generate a personalized loan estimate.
Sampling of Valencia Listings ($900k–$950k Range)
Below is a snapshot of current (or recent) listings in Valencia that fall in the $900k–$950k bracket. For social media, blog posts, or other outreach, you’ll want to highlight the bed/bath counts, square footage, community or subdivision name, and the monthly HOA fee if one applies. We’re only including partial street names—no exact address details—to preserve a bit of privacy but still convey the general location.
When you go to SantaClaritaOpenHouses.com/valencia-homes, you can see the full details and gather official MLS data. Here’s a short overview of some possibilities:
1. Cobblestone Ct (Valencia 91354)
If you love the look of a planned development with scenic creek or greenbelt views, the Creekside community might be a strong option. HOAs in these neighborhoods often cover exterior landscaping in common areas, community pools, and other shared facilities.
2. Amber Sky Way (Valencia 91381)
Located in Valencia’s emerging FivePoint region, these new constructions provide modern design, built-in energy efficiencies, and master-planned community amenities. Always verify if the HOA covers front yard landscaping or other costs, as that can reduce your personal expenses.
3. Knoll View Pl (Valencia 91381)
With these “Siena at FivePoint” homes, you’ll often see large sliding doors that blend indoor-outdoor living, brand-new appliances, and various “smart home” features. Because the solar is leased for some, keep that monthly lease in mind as an additional cost.
4. Sunset Hills Dr (Valencia 91354)
Northpark is known for tree-lined streets, well-maintained common areas, and community amenities like pools, tennis courts, and more, often at a surprisingly low monthly HOA cost. This home’s corner lot might be a big draw for those wanting extra outdoor space.
5. Balsam Ct (Valencia 91354)
Huntington in Northpark is a smaller enclave with a consistent look and feel, typically near local parks, greenbelts, and top-rated schools. That $59 HOA can go a long way in terms of communal upkeep, which is a plus for many buyers seeking lower monthly fees.
6. Via Diamante (Valencia 91354)
For active adults, 55+ communities in Valencia often deliver a resort experience. Large clubhouses, walking trails, social events, and sports amenities create an environment perfect for downsizing or moving closer to family while keeping a vibrant lifestyle.
7. Paseo Guijarro (Valencia 91354)
Some of these newly constructed 55+ homes incorporate a sleek indoor fireplace, drought-tolerant landscaping, and advanced technology for monitoring systems like security, sprinklers, or even HVAC from your phone. Always double-check if any additional Mello-Roos or special assessments apply in these brand-new developments.
8. Via Sendero (Valencia 91354)
When looking at 55+ enclaves, many prospective buyers appreciate a “lock and leave” lifestyle. HOAs might cover front-yard landscaping or exterior upkeep, perfect for a homeowner wanting to travel frequently without worrying about yard maintenance.
How These Listings Align with Monthly Payments
When you see list prices around $900,000 to $950,000, the monthly mortgage cost for the typical 30-year fixed rate (if rates hover around 6% to 7%) can quickly exceed $4,500 to $5,000 in principal and interest alone for a conventional loan—even with a significant down payment. Once you factor in property tax, homeowners insurance, HOA fees, and (if applicable) mortgage insurance or solar lease, it’s not uncommon to be in the $5,500 to $6,500 range or more each month, depending on your chosen loan program and down payment.
For 55+ buyers looking into new construction at Tesoro Highlands or FivePoint Valencia, remember there may be additional costs such as Mello-Roos or special assessments that are fairly typical in brand-new master-planned communities. Always check the property’s tax record or have your agent confirm any such district fees.
Important Disclaimers
Additional Tips for Prospective Buyers
Why Valencia?
Valencia is a master-planned portion of Santa Clarita designed with convenience and livability in mind. Residents here enjoy:
Putting It All Together
When you see a listing price of $900,000, it’s natural to ask: “How much does that translate into monthly payments?” The short answer is: it depends on your financing approach, your exact interest rate, and your personal financial scenario. As an example for a conventional 20% down buyer, principal and interest might hover around $4,670 per month (assuming 6.75% on a $720,000 loan). After tacking on approximate HOA dues ($100), property taxes (roughly $800–$1,000/month, but can vary), and home insurance, your total often enters the $5,600–$5,800+ range.
For an FHA 3.5% down buyer (higher loan amount, plus monthly mortgage insurance), the principal and interest jump up to around $5,633—and, with MIP, property taxes, and HOA, the monthly total can exceed $6,200 or more. Meanwhile, a VA loan at 0% down sees a principal and interest of about $5,837, plus additional fees or property taxes. Each scenario is unique; these examples are purely educational.
If you’re looking at 55+ active adult communities, your base price may be lower or higher depending on the specific floorplan, but your HOA fees might be significantly higher than a standard Valencia neighborhood because of the resort-level amenities. It can be worth it for many homeowners who plan to use the pools, pickleball courts, fitness facilities, and social clubs these communities provide.
The best approach is always to:
Next Steps: Visit the Blog & SantaClaritaOpenHouses.com/valencia-homes
For an even deeper dive into each property’s full details—photos, exact addresses, days on market, and the full scope of listing information—head over to: SantaClaritaOpenHouses.com/valencia-homes
This site offers the most recent data, as well as open house schedules and direct ways to contact me or my team to set up a private showing. If the listed homes here inspire you, or if you have more questions about how your unique financial situation translates into monthly mortgage payments, don’t hesitate to reach out.
I’m Connor with Honor, dedicated to bringing clarity and transparency to your Santa Clarita real estate experience. Whether you’re exploring conventional, FHA, or VA financing, or investigating the active adult lifestyle of a 55+ community, I’d be happy to guide you step by step.
Conclusion (and Final Word Count Reminder)
Valencia properties in the $900k–$950k range offer a world of variety—multiple HOAs, bedroom counts, or floorplan styles. New construction options at FivePoint or Tesoro Highlands can appeal to those wanting fresh builds and robust community amenities, while more established neighborhoods in Northpark or Creekside retain that classic Valencia aesthetic with mature landscaping and well-maintained common areas. Payment scenarios can range from roughly $4,700 in principal and interest monthly on a 20% down conventional loan to well over $6,000 if you’re using minimal-down-payment loans or factoring in mortgage insurance, property taxes, and HOA fees.
Armed with the estimates outlined above, you can start envisioning which combination of property location, HOA cost, and loan program best suits your personal budget and lifestyle. Always remember that real estate is a personal journey. The numbers are part of it, but so too are your personal preferences on design, commute times, local conveniences, and future plans.
If you’ve got questions, want to discuss potential offers, or simply wish to see a property firsthand, visit the link above or drop me a line. I’m here to serve as your resource in all things Santa Clarita real estate and to make your transition to homeownership as smooth as possible. We can chat about how to structure your offer, which loan products might yield the best monthly payment, and which neighborhoods align with the life you want to lead.
Thank you for reading this expanded post—feel free to bookmark it for reference! If you’re sharing on social media, copy and paste the essential points, then direct folks to your blog for the rest of the details. And if you want the in-person experience, schedule a consultation or join us at one of our upcoming open houses. Let’s turn your Valencia real estate goals into reality.
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