📍 Zip Code 90001 · Los Angeles, CA · Los Angeles County

Mortgage Costs in 90001
Los Angeles, CA

Real 2026 data · Property tax 1.1% · 7.1% mortgage rate
$720,000
Median Home Price
$4,831
All-In Monthly (20% down)
$207,039
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 90001 (Los Angeles, CA)

Cost Item
20% Down ($144,000)
10% Down ($72,000)
Principal & Interest
$3,871/mo
$4,355/mo
Property Tax (1.1%)
$660/mo
$660/mo
Home Insurance (~0.5%)
$300/mo
$300/mo
PMI (if <20% down)
$324/mo
Total All-In
$4,831/mo
$5,639/mo

What Salary Do You Need to Buy in 90001?

Using the standard 28% gross income housing rule, you need approximately $207,039/year to comfortably afford the median home in Los Angeles, CA with 20% down at today's 7.1% rate.

The average household income in Los Angeles County is approximately $62,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 90001 (Los Angeles County)

Los Angeles County has a property tax rate of approximately 1.1% — near the national average of 1.1%. On a $720,000 home, this equals $660/month or $7,920/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $1,188/year. No win = no fee.
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Will a Bank Approve You in Los Angeles?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 90001.

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