Los Angeles County Mortgage Calculator
On the Los Angeles County median home price of $783,000, a 20%-down, 30-year loan at today's 6.47% rate runs about $4,532/month — $3,947 principal & interest, $450 property tax at Los Angeles County's 0.69% effective rate, and $135 homeowners insurance. That is about $7/month less than the California state-average tax rate would cost on the same home. Enter your own price and down payment below.
$4,532 /mo
P&I: $3,947 · Tax: $450 · Insurance: $135
Loan amount: $626,400 · Total interest: $794,493
Yearly amortization schedule
| Year | Interest | Principal | PMI | Balance |
|---|---|---|---|---|
| 1 | $40,322 | $7,041 | — | $619,359 |
| 2 | $39,852 | $7,511 | — | $611,848 |
| 3 | $39,352 | $8,011 | — | $603,837 |
| 4 | $38,818 | $8,545 | — | $595,291 |
| 5 | $38,248 | $9,115 | — | $586,176 |
| 6 | $37,641 | $9,722 | — | $576,454 |
| 7 | $36,993 | $10,370 | — | $566,084 |
| 8 | $36,301 | $11,062 | — | $555,022 |
| 9 | $35,564 | $11,799 | — | $543,223 |
| 10 | $34,778 | $12,585 | — | $530,637 |
| 11 | $33,939 | $13,424 | — | $517,213 |
| 12 | $33,044 | $14,319 | — | $502,894 |
| 13 | $32,090 | $15,273 | — | $487,621 |
| 14 | $31,072 | $16,292 | — | $471,329 |
| 15 | $29,986 | $17,377 | — | $453,952 |
| 16 | $28,827 | $18,536 | — | $435,416 |
| 17 | $27,592 | $19,771 | — | $415,645 |
| 18 | $26,274 | $21,089 | — | $394,556 |
| 19 | $24,868 | $22,495 | — | $372,061 |
| 20 | $23,369 | $23,994 | — | $348,067 |
| 21 | $21,770 | $25,593 | — | $322,474 |
| 22 | $20,064 | $27,299 | — | $295,175 |
| 23 | $18,244 | $29,119 | — | $266,056 |
| 24 | $16,304 | $31,060 | — | $234,997 |
| 25 | $14,233 | $33,130 | — | $201,867 |
| 26 | $12,025 | $35,338 | — | $166,529 |
| 27 | $9,670 | $37,693 | — | $128,836 |
| 28 | $7,157 | $40,206 | — | $88,630 |
| 29 | $4,477 | $42,886 | — | $45,744 |
| 30 | $1,619 | $45,744 | — | $0 |
Rates: Freddie Mac PMMS (wk 2026-06-18). Property tax: Tax Foundation. Insurance: Insurance.com. PMI applies when your down payment is under 20% (LTV > 80%). You can request cancellation at 80% LTV; the servicer must auto-terminate it at 78% (Homeowners Protection Act). How we calculate →
Monthly payment breakdown for a Los Angeles County home
At the Los Angeles County median home price of $783,000, a conventional 30-year loan at 6.47% with 20% down splits into: $3,947 principal & interest, $450 property tax, and $135 homeowners insurance — a total PITI of $4,532/month.
The property tax line uses Los Angeles County's real effective rate of 0.69% (median tax bill of $5,438 on a median home value of $783,300, US Census ACS), not a generic national average — so this figure reflects what Los Angeles County actually charges, before any local exemption.
Los Angeles County vs the California state average property tax rate
Los Angeles County's 0.69% effective property tax rate is below California's 0.7% state average. On the same $783,000 home, that difference works out to $7/month less in the tax line of the mortgage payment compared with paying the California average rate instead of Los Angeles County's.
Property tax is set locally — by the county, city and school district — so the state average is only a rough guide. Two otherwise identical California homes in different counties can carry meaningfully different monthly payments purely because of where the tax rate lands.
What the Los Angeles County median buys vs a $400,000 national budget
A $400,000 home taxed at Los Angeles County's 0.69% rate and insured at California's average would run about $2,381/month — $2,151 less than the Los Angeles County county median payment of $4,532/month, since Los Angeles County's median home price ($783,000) is $383,000 above the $400,000 reference used elsewhere on this site.
In other words, price — not tax rate — usually drives the biggest gap between a Los Angeles County payment and a generic national estimate. Use the calculator above to swap in your own target price.
PMI in Los Angeles County if you put down less than 20%
Putting 10% down instead of 20% on the same $783,000 Los Angeles County home adds private mortgage insurance (PMI) of about $470/month, bringing the total payment to roughly $5,495/month instead of $4,532. PMI is required on conventional loans below 20% down and cancels automatically once your loan balance reaches 78% of the original price.
Los Angeles County mortgage — frequently asked questions
How much is a mortgage payment in Los Angeles County?
On the Los Angeles County median home price of $783,000, a 20%-down 30-year loan at 6.47% runs about $4,532/month total (principal, interest, property tax and insurance).
What is the property tax on the median home in Los Angeles County?
Los Angeles County's effective property tax rate is 0.69%, which works out to about $450/month ($5,403/year) on the $783,000 county median home value.
How does Los Angeles County property tax compare to the rest of California?
Los Angeles County's 0.69% effective rate is below the California state average of 0.7%, a difference of about $7/month on a $783,000 home.
What income do I need to afford a home in Los Angeles County?
Using the common 28%-of-gross-income guideline against the $4,532/month PITI payment on the Los Angeles County median home, that implies a gross annual income of roughly $194,221.
How much does PMI cost in Los Angeles County with less than 20% down?
Putting 10% down on the $783,000 Los Angeles County median home adds about $470/month in PMI, for a total payment near $5,495/month instead of $4,532.
What's included in a Los Angeles County mortgage payment?
PITI: principal and interest together $3,947, property tax $450 at Los Angeles County's 0.69% rate, and homeowners insurance $135 at the California state average — no HOA dues assumed unless you add them above.
More California counties in this pilot
California mortgage calculator · Los Angeles County property tax deep-dive — the full county-by-county property tax breakdown behind this payment estimate.
Mortgage calculators in other pilot counties
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →