Free Local Tool

Long Beach Mortgage Calculator

Use this free calculator to estimate a monthly mortgage payment for a home in Long Beach, California. We've pre-filled it with Long Beach's approximate median home value (about $789,000, based on recent Zillow data) and the local effective property-tax rate, but you can adjust every input — price, down payment, interest rate, term, and loan type — to match your own situation.

The estimate breaks down principal & interest, property taxes, and homeowners insurance, and it supports VA loans (including the funding fee and the IRRRL streamline refinance), FHA, and conventional financing. It's educational only — for a real quote, speak with a licensed California loan officer.

Estimated Credit Rating

Pricing varies by credit band. Verify with a lender.

Loan Purpose

Home Price $789,000

$50K – $2M

Down Payment 20.0%

$70,000 down · 3% – 50%

Interest Rate 6.50%

Illustrative — adjust to your quote

State

Sets the property-tax estimate for your state

Loan Term

Loan Type

Estimated Monthly Payment

Principal & Interest$0

Mortgage Insurance$0

Property Tax (est.)$0

Home Insurance (est.)$0

Estimated Total$0

Loan Summary

Cash Out (added to loan)$0

VA Funding Fee (financed)$0

Loan Amount$0

Loan-to-Value (LTV)—

Total Interest$0

Total of Payments$0

Illustrative national averages (≈ early 2026) for education only — not an offer or quote. Verify current rates with sources like the Freddie Mac PMMS.

Want a personalized read? Take the 5-question quiz to see which program categories fit your specific scenario.

Get this as a personalized report, emailed to you. We'll send a clear educational report explaining the exact numbers above — yours to keep, no obligation.

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Loan limits, tax treatment, and program eligibility vary by state.

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HomeWise is an educational resource — not a lender, mortgage broker, or financial advisor. The breakdown is for learning only and is not an offer to lend or financial advice. Always consult a licensed professional before making a decision. We don't sell your information. See our Privacy Policy.

We are an educational company, not a lender. We do not make loans, underwrite loans, or provide financial advice. All loan terms, rates, and approvals are determined solely by a licensed lender of your choice. This service is not a loan application. These figures are estimates provided for educational purposes only and are not a loan offer, quote, rate lock, or commitment to lend. Your actual payment will differ. Property taxes and homeowners insurance shown here are estimates and may be understated or excluded, and other costs — such as mortgage insurance, HOA dues, flood insurance, and closing costs — may not be reflected. For a detailed, personalized quote, consult a licensed lender or loan officer.

As an illustration, a median-priced Long Beach home (about $789,000) with 20% down at an example 6.5% rate on a 30-year loan works out to roughly $3,990/month in principal & interest, plus about $756/month in estimated property taxes (~1.15%/yr) and around $125/month for homeowners insurance — about $4,871/month before any HOA dues. Move the sliders above to see how a different price, down payment, rate, or loan type changes the picture.

Questions

Long Beach Mortgage Payment FAQ

How much is the monthly payment on a typical Long Beach home?

A median-priced Long Beach home around $789,000 with 20% down at an illustrative 6.5% rate on a 30-year loan is roughly $3,990/month for principal and interest, or about $4,871/month once estimated property taxes and homeowners insurance are included. Your actual payment depends on your price, down payment, rate, and loan type.

How much are property taxes in Long Beach?

Long Beach's local effective property-tax rate is roughly 1.15% of a home's value per year in this estimate. On a $789,000 home that's about $9,073 per year, usually collected monthly through an escrow account. Actual bills vary by exact location, assessment, and exemptions.

How much do I need for a down payment in Long Beach?

It depends on the loan: 0% for VA (eligible borrowers), 3.5% for FHA, and as little as 3% for some conventional loans. On a $789,000 Long Beach home, 20% down (which lets you skip PMI on a conventional loan) is about $157,800, while 3.5% is about $27,615.

Are these Long Beach calculator results a mortgage quote?

No. Everything here is an educational estimate, not a loan offer, quote, or commitment to lend. For real, personalized numbers, talk to a licensed lender or loan officer.

Long Beach Home Buying Guide

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Long Beach Mortgage Calculator

Estimated Monthly Payment

Loan Summary

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Long Beach Mortgage Payment FAQ

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