How much are property taxes and insurance?

Property taxes are county/city specific and also depend on the construction methods of the home, ie. is the property within the city, close to the fire hydrant and fire station, which perils are covered or not, and whether there is an HOA with its fees as well, plus any special taxing district(s) which may apply.

If you have a specific property in mind, last year's tax bill is online through the assessor's office and it'll tell you the tax rate. Remember that your assessed value will be based on what you pay, not what the old assessed value was.

If the property is for sale, MLS should have some of this data -- and be aware that MLS has what the present owner says the data is whether that is true or not.

Hazard insurance is also difficult to compute because it depends on the structure and location (is it free standing, a condo, brick, wood, near the fire areas, mudslide areas, etc.)

As a rule of thumb, figure on about 25% of mortgage payment.