LA County housing affordability

Buying the median LA County home costs $2,135 more a month than in 2019

Affordability is the question in every big city right now, so here is what buying in LA County costs each month, neighborhood by neighborhood. The median sale rose from $600,000 to $863,131, and the mortgage rate went from 3.94% to 6.60%.

Monthly mortgage payment$4,410was $2,275 in 2019
Down payment (20%)$172,626was $120,000 in 2019
Household income to keep it under 30%$176,000was $91,000 in 2019

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A model-generated estimate and analytical context, not investment advice. The estimated value comes from an automated valuation model (AVM). An AVM is an estimated sale price for a property. It is not the same as the opinion of value in an appraisal developed by a licensed appraiser under the Uniform Standards of Professional Appraisal Practice.

LA County affordability by neighborhood, A to Z

Questions about LA County affordability

How much does it cost to buy a home in LA County?

The median LA County home sold for $863,131 in 2025. With 20% down, $172,626, and a 30-year fixed loan at 6.60%, the monthly mortgage payment comes to $4,410 before taxes and insurance.

Is LA County still affordable?

That depends on your income, your savings and the neighborhood. The monthly mortgage payment on the median LA County home went from $2,275 in 2019 to $4,410 in 2025. Among neighborhoods measured with high confidence, the rise ran from $1,002 in Midshore (Long Beach) to $8,267 in Brentwood.

What income do you need to buy in LA County?

About $176,000 a year for the median LA County home, by a common rule of thumb that keeps the monthly mortgage payment at 30% of gross income. The same rule gave $91,000 in 2019. Lenders apply their own tests, and taxes and insurance come on top of the payment.

How much has the monthly mortgage payment in LA County changed since 2019?

The monthly mortgage payment on the median LA County home rose $2,135, from $2,275 in 2019 to $4,410 in 2025. Higher prices added $1,171, and the higher mortgage rate, 3.94% to 6.60%, added $964.

Where in LA County did the payment rise least?

Among neighborhoods measured with high confidence, it rose least in Midshore (Long Beach), $1,002 a month, and in Downtown (Long Beach), $1,089. The map and list show the available area figures.

What does the full cost to own a home add?

Property tax, insurance, HOA dues and upkeep come on top of the monthly mortgage payment shown here. A free account’s Cost to Own adds them up for a specific home, and three homes a month are free.

Home price deep divesHow LA County home prices moved since 2000, from the metro down to the neighborhoodSee LA County home prices

Monthly mortgage payment is principal and interest on the median sale with 20% down and a 30-year fixed loan, at each year’s average Freddie Mac rate (3.94% in 2019, 6.60% in 2025); taxes and insurance are not included. Sales: Los Angeles County Assessor.