Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Long Beach Mortgage Calculator

Estimate your true cost of homeownership in Long Beach with localized property taxes, insurance, and utility data.

← Back to Long Beach Hub
Est. Total Monthly Cost
$2,163
P&I Payment$1,554
Taxes & Ins$438
Utilities$171
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Long Beach scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$292,429
Local Median: $292,429
$58,486 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,163

Monthly Breakdown

Principal & Interest
$1,554
Property Taxes
$175
Homeowners Ins.
$263
Utilities
$171

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$325,467

Local Housing Facts for Long Beach

  • ·Median home value: $292,429 (adjusted for current market conditions)
  • ·Est. property taxes: $2,096/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $3,161/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,046/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Long Beach?

Based on the local median home value, estimated real estate property taxes in Long Beach are around $2,096 per year.

What is the average home price in Long Beach?

The median home value in Long Beach is currently estimated at $292,429.

How much does homeowners insurance cost in Long Beach?

For a median priced home, homeowners insurance in Long Beach averages around $3,161 annually.

What is the true total cost of owning a home in Long Beach?

True homeownership costs go beyond principal and interest. In Long Beach, a typical homeowner with a median-priced home of $292,429 can expect to pay roughly $2,096/yr in property taxes, $3,161/yr for homeowners insurance, and $2,046/yr in energy utilities. That adds approximately $609 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.