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Los Angeles County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Los Angeles County, California based on real HMDA transaction records.

Loan Details

Los Angeles County, CA Benchmarks

FHA averages
Typical Property Value$741,695
Average Down Payment11.2%
Average Interest Rate6.132%
Effective Tax Rate0.67%
Median Tax Paid$5,675/yr
Tax Growth (Historical)+1.2%
Based on 10,781 regional loans totaling $6,836,115,000 (HMDA database).
$
%

$83,070 down · $658,625 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$414 / month

$

Annual premium

$

Per month

%

$279 / month

Estimated Monthly Payment

$4,917/mo

  • Principal & Interest$4,074
  • Property Tax$414
  • Home Insurance$150
  • FHA MIP$279
Amortization · Remaining Balance

Financed Loan Amount

$670,151

Total Interest

$796,516

Total of Payments

$1,466,667

*Includes financed FHA Upfront MIP of $11,526

Local Market Insights

Los Angeles County FHA Mortgage Overview

In Los Angeles County, the typical FHA buyer puts 11.20% down on an average $741,695 property, significantly lower than the standard 20%. While this eases entry, the 88.80% Loan-to-Value ratio mandates Mortgage Insurance Premiums for the loan’s life—a critical cost for buyers with sub-620 credit. The effective property tax rate of 0.67%, adjusted upward by 1.2% for inflation, adds roughly $4,970 annually to true monthly affordability. This data reflects owner-occupied purchases only, reinforcing that FHA loans with PMI and taxes in Los Angeles County remain a viable path despite permanent MIP burdens.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.