Los Angeles Mortgage Calculator

How to use this Los Angeles mortgage calculator

Choose a neighborhood and the calculator applies that area's approximate property tax rate, so your estimate reflects what buying there actually costs — not a generic national average. Enter your purchase price, down payment, interest rate, and term, and the result breaks your monthly payment into principal and interest, property tax, insurance, and HOA dues — and flags whether your loan amount falls in conforming or jumbo territory for Los Angeles County. Property tax and insurance figures are estimates; confirm them with your lender before you commit to anything.

Los Angeles County property tax rates

California's Proposition 13 caps the base property tax at 1% of assessed value, but voter-approved bonds and special assessments push the real figure higher. Across Los Angeles County, total rates range from about 1.01% to 1.65% depending on your tax rate area. Here's what buyers typically pay in the areas we serve:

Area	Approx. total property tax rate
Los Angeles (citywide)	~1.22%
Beverly Hills	~1.20%
Santa Monica	~1.18%
West Hollywood	~1.20%
Culver City	~1.15%
Pasadena	~1.22%
Malibu	~1.11%
Manhattan Beach	~1.10%

On a $1,050,000 home — roughly the median in the city of Los Angeles — a 1.22% rate works out to about $12,800 a year, or just over $1,060 a month. Because assessed value resets to the purchase price when you buy, your first-year tax bill is based on what you pay, not what the previous owner paid.

Conforming vs. jumbo loans in Los Angeles

Los Angeles County is a designated high-cost area, so the 2026 conforming loan limit here is $1,249,125 for a single-family home — well above the national baseline of $832,750. Borrow more than that and you're in jumbo loan territory, which usually means stricter credit requirements, larger reserves, and sometimes a different rate. In Beverly Hills, Bel Air, and much of the Westside, most purchases are jumbo: a $3.5 million home with 20% down means a $2.8 million loan, more than twice the conforming limit. The calculator above flags this automatically as you adjust the numbers.

What's the average mortgage payment in Los Angeles?

At today's typical rates, a median-priced Los Angeles home of about $1,050,000 with 20% down on a 30-year fixed loan at 6.25% runs roughly $5,200 a month in principal and interest. Add property tax (~$1,060) and insurance (~$175) and the all-in payment lands around $6,400 a month. In Beverly Hills and the surrounding luxury markets, payments scale with price: a $3.5 million purchase with 20% down costs about $21,000 a month all-in at the same rate.

How much house can you afford in Los Angeles?

Most lenders want your housing payment under about 28% of gross monthly income, and total debt under 36%. By that math, the $6,400 payment on a median LA home takes a household income around $275,000 a year. If that number feels steep, remember the levers: a larger down payment shrinks the loan (and can pull you under the jumbo threshold), buying down the rate lowers the payment, and nearby markets like Culver City or Pasadena can offer more house per dollar than the Westside. Run the scenarios above — small changes to rate and down payment move the monthly number more than most buyers expect.