Los Angeles, CA Mortgage Calculator
Estimate your monthly mortgage payment in Los Angeles including property taxes, homeowners insurance, PMI, and 2026 loan limits.
Local Home Values & Affordability
With a median home value of $820,000, Los Angeles 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 Los Angeles 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 Los Angeles 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
$4,958
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $656,000
LTV: 0.01%
P&I Payment
$4,342
Total Interest
$907,256
over loan life
Payoff
30 yr
Closing Costs
$10,385–$19,384
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 | $4,342 | $543 | $3,799 | $655,457 | $3,799 |
| 2 | $4,342 | $546 | $3,796 | $654,911 | $7,596 |
| 3 | $4,342 | $549 | $3,793 | $654,361 | $11,389 |
| 4 | $4,342 | $553 | $3,790 | $653,809 | $15,178 |
| 5 | $4,342 | $556 | $3,787 | $653,253 | $18,965 |
| 6 | $4,342 | $559 | $3,783 | $652,694 | $22,748 |
| 7 | $4,342 | $562 | $3,780 | $652,132 | $26,529 |
| 8 | $4,342 | $565 | $3,777 | $651,567 | $30,306 |
| 9 | $4,342 | $569 | $3,774 | $650,998 | $34,079 |
| 10 | $4,342 | $572 | $3,770 | $650,426 | $37,850 |
| 11 | $4,342 | $575 | $3,767 | $649,850 | $41,617 |
| 12 | $4,342 | $579 | $3,764 | $649,272 | $45,380 |
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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