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Los Angeles Mortgage Calculator

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

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Est. Total Monthly Cost
$6,243
P&I Payment$5,485
Taxes & Ins$587
Utilities$171
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Mortgage Details

$1,075,301
Local Median: $1,075,301
$215,060 (20%)
%

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

Local Area Costs

Monthly$6,243

Monthly Breakdown

Principal & Interest
$5,485
Property Taxes
$497
Homeowners Ins.
$89
Utilities
$171

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,114,329

Local Housing Facts for Los Angeles

  • ·Median home value: $1,075,301 (adjusted for current market conditions)
  • ·Est. property taxes: $5,967/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,072/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,054/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 Los Angeles?

Based on the local median home value, estimated real estate property taxes in Los Angeles are around $5,967 per year.

What is the average home price in Los Angeles?

The median home value in Los Angeles is currently estimated at $1,075,301.

How much does homeowners insurance cost in Los Angeles?

For a median priced home, homeowners insurance in Los Angeles averages around $1,072 annually.

What is the true total cost of owning a home in Los Angeles?

True homeownership costs go beyond principal and interest. In Los Angeles, a typical homeowner with a median-priced home of $1,075,301 can expect to pay roughly $5,967/yr in property taxes, $1,072/yr for homeowners insurance, and $2,054/yr in energy utilities. That adds approximately $758 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.