How Much House Can I Afford in Long Beach, CA?
Use local market data to estimate what you can afford in Long Beach. The median home value is $720,000 with a population of 456,000.
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FAQ — Buying in Long Beach
How much house can I afford in Long Beach?
The median home value in Long Beach is $720,000. At a 20% down payment ($144,000) and a 6.37% rate, the estimated P&I payment would be roughly $3,592 per month — before taxes and insurance. Use the calculator above with your actual income and debts for a personalized answer.
What is the 28/36 rule for buying a home in Long Beach?
The 28/36 rule suggests your housing payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. In Long Beach with a median home price of $720,000, this means your gross monthly income should ideally be at least $12,827 to keep housing comfortably within the 28% threshold.
How do Long Beach property taxes affect my affordability?
Los Angeles County has an effective property tax rate of 0.73%, which adds approximately $438 per month to your housing cost on a median-priced home.
What 2026 loan limits apply in Long Beach?
In 2026, the FHA loan limit for Los Angeles County is determined by HUD based on local median home prices. The conforming limit set by FHFA is at least $832,750 — loans above this are jumbo mortgages with different qualification standards. Higher-cost counties may have elevated limits.