The calculator below is pre-filled with Los Angeles County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just California's statewide figures.

Los Angeles County at a glance

Effective property tax rate: 0.68% of home value / year
Median home price: $888,120
Homeowners insurance (avg/year): $1,851
Conforming loan limit (1-unit, 2026): $1,249,125

County data last updated 2026-08-20. FIPS 06037. Full source list on /methodology.

Los Angeles County, CA mortgage payment calculator

All-in cost first, always — pre-filled with Los Angeles County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Related reading

Buying a Home in Winter: Why the Slowest Season Can Be the Best Deal

Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.

Closing Costs in California: What You'll Actually Pay

California's base transfer tax is only 0.11%, or $995 on a $904,640 median home, but city add-ons and a huge price base push closing costs to $18,093 and up.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

California at a glance

Median home price: $904,640
Typical closing costs: 2%–5% of price
Transfer tax: 0.11% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: California's homestead exemption (Code of Civil Procedure §704.730, as amended by AB 1885) protects home equity from most creditors' judgments — it is a debtor/creditor-protection exemption, not a property-tax exemption. The exemption is the greater of $300,000 or the county's median single-family home sale price for the prior calendar year, capped at $600,000, and both the floor and ceiling are adjusted annually for inflation (for 2026, bankruptcy-law trackers put the range at roughly $371,500 to $743,700 depending on county, and disagree with each other by a few hundred dollars at the top — one reports a $743,681 cap, another $743,459; the controlling figures are the ones the Judicial Council of California publishes on form EJ-156, Current Dollar Amounts of Exemptions from Enforcement of Judgments, which a court will apply). Separately, California also has a small annual property-tax Homeowners' Exemption (a flat $7,000 reduction in assessed value, worth roughly $70-$80/year in actual tax savings) — a different, much smaller benefit that predates AB 1885 and is unrelated to the equity-protection homestead exemption described above.

First-time buyer / down payment assistance programs

CalHFA Dream For All Shared Appreciation Loan
California Housing Finance Agency down payment/closing cost assistance loan, paired with a CalHFA Dream For All Conventional first mortgage, providing up to 20% of the purchase price (capped at $150,000) with no monthly payments; repaid at sale/refinance/payoff as the original amount plus a share of the home's appreciation. Distributed via a registration period and randomized voucher drawing when demand exceeds funding, not first-come-first-served.
CalHFA MyHome Assistance Program
Deferred-payment, 0%-interest (simple interest) junior loan for down payment and/or closing costs — up to 3.5% of the purchase price when paired with an FHA/government first mortgage, or up to 3% with a conventional CalHFA first mortgage; repaid only upon sale, refinance, or payoff of the first mortgage.