Anaheim, CA Mortgage Calculator
Estimate your monthly mortgage payment in Anaheim including property taxes, homeowners insurance, PMI, and 2026 loan limits.
Local Home Values & Affordability
With a median home value of $1,050,000, Anaheim is 239% above the national median of $310,000 — placing it firmly in premium territory where careful loan-type selection matters.
A 20% down payment on a median Anaheim home requires $210,000 in cash — or $36,750 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Orange County's $1,050,000 median sits between Kern County ($340,000) and San Francisco County ($1,350,000) within the California counties we track.
Property Tax in This Market
Orange County has one of the lowest property tax rates in our dataset at 0.67% — 39% below the national average of 1.10%. This keeps monthly PITI payments notably lower than in high-tax markets with comparable home values.
Based on the 0.67% effective rate and a median home value of $1,050,000, a typical homeowner in Orange County pays approximately $7,035 in annual property taxes — or $586 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Orange County runs approximately $1,550/year ($129/month), in line with the national average of $1,600.
Premium quotes in Orange County typically range from $1,000 to $2,300 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Anaheim home ($1,050,000) with FHA's minimum 3.5% down would borrow $1,013,250 — well within the $1,249,125 elevated FHA limit for this county. FHA financing is a viable option for most buyers here.
Orange County is designated a high-cost area by both FHFA and HUD, meaning local FHA and conforming limits are elevated above the national baseline. This expanded purchasing power is a meaningful benefit for buyers compared to most-of-the-country baseline markets.
With 20% down on a median-priced home, the loan amount of $840,000 stays $409,125 below the $1,249,125 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
Extra Monthly Payment
Estimated Monthly Payment
$4,754
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $632,000
LTV: 0.01%
P&I Payment
$4,184
Total Interest
$874,064
over loan life
Payoff
30 yr
Closing Costs
$10,040–$18,742
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$1,249,125
Conforming Limit
$1,249,125
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $4,184 | $523 | $3,660 | $631,477 | $3,660 |
| 2 | $4,184 | $526 | $3,657 | $630,951 | $7,318 |
| 3 | $4,184 | $529 | $3,654 | $630,421 | $10,972 |
| 4 | $4,184 | $532 | $3,651 | $629,889 | $14,623 |
| 5 | $4,184 | $535 | $3,648 | $629,354 | $18,271 |
| 6 | $4,184 | $539 | $3,645 | $628,815 | $21,916 |
| 7 | $4,184 | $542 | $3,642 | $628,274 | $25,558 |
| 8 | $4,184 | $545 | $3,639 | $627,729 | $29,197 |
| 9 | $4,184 | $548 | $3,636 | $627,181 | $32,832 |
| 10 | $4,184 | $551 | $3,632 | $626,630 | $36,465 |
| 11 | $4,184 | $554 | $3,629 | $626,075 | $40,094 |
| 12 | $4,184 | $557 | $3,626 | $625,518 | $43,720 |
2026 Loan Limits — Orange County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
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