Long Beach, CA Mortgage Calculator
Estimate your monthly mortgage payment in Long Beach including property taxes, homeowners insurance, PMI, and 2026 loan limits.
Local Home Values & Affordability
With a median home value of $820,000, Long Beach is 165% 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 Long Beach home requires $164,000 in cash — or $28,700 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Los Angeles County's $820,000 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
Los Angeles County has one of the lowest property tax rates in our dataset at 0.73% — 34% 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 0.73% effective rate and a median home value of $820,000, a typical homeowner in Los Angeles County pays approximately $5,986 in annual property taxes — or $499 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Los Angeles County runs approximately $1,400/year ($117/month), in line with the national average of $1,600.
Premium quotes in Los Angeles County typically range from $900 to $2,100 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 Long Beach home ($820,000) with FHA's minimum 3.5% down would borrow $791,300 — well within the $1,249,125 elevated FHA limit for this county. FHA financing is a viable option for most buyers here.
Los Angeles 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 $656,000 stays $593,125 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
$4,367
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $576,000
LTV: 0.01%
P&I Payment
$3,813
Total Interest
$796,615
over loan life
Payoff
30 yr
Closing Costs
$9,237–$17,242
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 | $3,813 | $477 | $3,336 | $575,523 | $3,336 |
| 2 | $3,813 | $480 | $3,333 | $575,044 | $6,669 |
| 3 | $3,813 | $482 | $3,330 | $574,561 | $10,000 |
| 4 | $3,813 | $485 | $3,328 | $574,076 | $13,327 |
| 5 | $3,813 | $488 | $3,325 | $573,588 | $16,652 |
| 6 | $3,813 | $491 | $3,322 | $573,097 | $19,974 |
| 7 | $3,813 | $494 | $3,319 | $572,604 | $23,293 |
| 8 | $3,813 | $496 | $3,316 | $572,107 | $26,610 |
| 9 | $3,813 | $499 | $3,313 | $571,608 | $29,923 |
| 10 | $3,813 | $502 | $3,311 | $571,106 | $33,234 |
| 11 | $3,813 | $505 | $3,308 | $570,600 | $36,541 |
| 12 | $3,813 | $508 | $3,305 | $570,092 | $39,846 |
2026 Loan Limits — Los Angeles 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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