Los Angeles mortgage calculator
Los Angeles pairs high home prices with a relatively moderate effective property-tax rate, thanks to California's Proposition 13, which caps how fast a home's assessed value can rise while you own it.
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Los Angeles mortgage inputs
Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).
Loan amount: $320,000
Starts from California's 0.7% average effective property-tax rate. Your rate in Los Angeles County may differ — edit any field for your exact numbers.
Buying a home in Los Angeles
Under Prop 13, your property tax is based largely on your purchase price and can only grow slowly year to year — a meaningful long-term advantage, though it means your tax is essentially reset to market value when you buy. LA's high prices make the loan itself the dominant cost, so shopping your interest rate matters more here than almost anywhere.
As a worked example, a $400,000 home with 20% down and a 6.55% 30-year fixed rate works out to about $2,033 a month in principal and interest, plus roughly $233 for property tax at California's 0.7% average — a core cost near $2,266 before insurance and any HOA. Enter Los Angeles prices you're actually seeing to get your real figure.
See more California mortgage details →
Frequently asked questions
How much is a monthly mortgage payment in Los Angeles?
It depends on the home price, your rate, and your down payment. As an example, a $400,000 home with 20% down at 6.55% over 30 years is about $2,033 in principal and interest, plus roughly $233 a month for California's 0.7% average property tax — before insurance and any HOA or maintenance charges.
Does this calculator include Los Angeles property taxes?
Yes — it starts from California's statewide average effective property-tax rate of 0.7%. Local rates in Los Angeles County can differ, so check your county assessor and adjust the property-tax field for your exact number.
Does the calculator store my information?
No. Everything is calculated in your browser — no account, no email, no lead form, nothing saved or sent to a server.