Long Beach Mortgage Calculator
Estimate your monthly mortgage payment in Long Beach, CA. On the local median home value of $830,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $4,824. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$4,197
- Property Tax$519
- Home Insurance$108
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $50,363 | $7,422 | $42,941 | $656,578 |
| 2 | $50,363 | $7,919 | $42,444 | $648,660 |
| 3 | $50,363 | $8,449 | $41,914 | $640,210 |
| 4 | $50,363 | $9,015 | $41,348 | $631,196 |
| 5 | $50,363 | $9,619 | $40,745 | $621,577 |
| 6 | $50,363 | $10,263 | $40,100 | $611,314 |
| 7 | $50,363 | $10,950 | $39,413 | $600,364 |
| 8 | $50,363 | $11,684 | $38,680 | $588,680 |
| 9 | $50,363 | $12,466 | $37,897 | $576,214 |
| 10 | $50,363 | $13,301 | $37,062 | $562,913 |
| 11 | $50,363 | $14,192 | $36,172 | $548,722 |
| 12 | $50,363 | $15,142 | $35,221 | $533,580 |
| 13 | $50,363 | $16,156 | $34,207 | $517,424 |
| 14 | $50,363 | $17,238 | $33,125 | $500,185 |
| 15 | $50,363 | $18,393 | $31,971 | $481,793 |
| 16 | $50,363 | $19,624 | $30,739 | $462,168 |
| 17 | $50,363 | $20,939 | $29,424 | $441,229 |
| 18 | $50,363 | $22,341 | $28,022 | $418,888 |
| 19 | $50,363 | $23,837 | $26,526 | $395,051 |
| 20 | $50,363 | $25,434 | $24,929 | $369,617 |
| 21 | $50,363 | $27,137 | $23,226 | $342,480 |
| 22 | $50,363 | $28,954 | $21,409 | $313,526 |
| 23 | $50,363 | $30,894 | $19,470 | $282,632 |
| 24 | $50,363 | $32,963 | $17,401 | $249,670 |
| 25 | $50,363 | $35,170 | $15,193 | $214,500 |
| 26 | $50,363 | $37,526 | $12,838 | $176,974 |
| 27 | $50,363 | $40,039 | $10,324 | $136,935 |
| 28 | $50,363 | $42,720 | $7,643 | $94,215 |
| 29 | $50,363 | $45,581 | $4,782 | $48,634 |
| 30 | $50,363 | $48,634 | $1,729 | $0 |
Swipe the table sideways to see all columns →
How to use this calculator
The Home Price field is pre-filled with the median home value in Long Beach (about $830,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with California's average effective rate of 0.75%. Within California, rates vary by county — if you know your specific local rate, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
Buying a median-priced home in Long Beach. At $830,000 with a 20% down payment, you'd bring $166,000 to closing (plus closing costs) and take out a $664,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $4,197.
Annual costs on top of the loan. California's average property tax rate is 0.75%, so a median-priced Long Beach home generates approximately $6,225 in annual property tax (about $519/mo when paid through escrow). Homeowner's insurance in California averages around $1,300/year.
Total monthly payment (PITI) on the median Long Beach home works out to about $4,824 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Frequently Asked Questions
Looking for a different city? Browse all cities. For California-specific property taxes, see the California Property Tax Calculator.