Local
Learn about the people, housing, costs and businesses in Santa Monica-Malibu, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Santa Monica-Malibu.
True all-in cost — P&I, taxes, insurance & utilities for homes in Santa Monica-Malibu.
Find and compare lenders active near Santa Monica-Malibu.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Santa Monica-Malibu.
Seismic risk and earthquake insurance estimates for Santa Monica-Malibu.
Wildfire exposure and insurance estimates for Santa Monica-Malibu.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Santa Monica-Malibu is approximately 6.775% (6.807% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Santa Monica-MalibuThe median home value in Santa Monica-Malibu is $1.6M. The median monthly rent is $2,635. Annual property taxes average $9k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Santa Monica-Malibu have increased 2.2% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,949/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $126k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Santa Monica-Malibu is $141k/year.
Calculate your buying powerThe largest employment sectors in Santa Monica-Malibu are healthcare (24%) and public administration (22%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.