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Affordability Calculator

How much house can you afford in Los Angeles? Estimate your price range, down payment, monthly payment and closing costs in seconds.

How much house can I afford?

Annual household income

$

Monthly debts (car, student loans, credit cards)

$

Down payment

$

%

Loan term

Interest rate

%

Property tax

%

Debt-to-income limit

%

Homeowners insurance

$/yr

HOA dues

$/mo

PMI (if under 20% down)

%

Closing costs

%

You can afford

$0

Down payment

$0

Est. closing costs

$0

Estimated monthly payment

$0/mo

Principal & interest$0
Property taxes$0
Insurance, HOA & PMI$0

Get pre-approved Buy with us

For educational purposes only. Results assume your total monthly debts, including the new home payment, stay within the debt-to-income limit above (36% by default). Actual approval amounts, rates, taxes and insurance vary by lender, property and credit profile. Abode Realty Group does not provide loans.

How it works

What determines how much you can afford

Income & debts

Lenders typically keep your total monthly debts, including your new mortgage, taxes and insurance, at or below about 36% of your gross monthly income.

Down payment

Putting 20% down avoids private mortgage insurance and lowers your monthly payment. Many loan programs allow less, and we can connect you with lenders who offer them.

Rate & carrying costs

Your interest rate, Los Angeles County property taxes (about 1.2% of the purchase price), insurance and HOA dues all shape the monthly payment you can comfortably carry.

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Plan your payment

Mortgage Calculator

Estimate your monthly payment, including property taxes, homeowners insurance, HOA dues and PMI.

Home price

$

Down payment

$

%

Loan program

Interest rate

%

Property tax

$/yr

%

Homeowners insurance

$/yr

HOA dues

$/mo

PMI

%/yr

Include PMI when down payment is under 20%

Your estimated payment$0per month

Principal & interest$0
Property taxes$0
Homeowners insurance$0
HOA dues$0
PMI$0

Get pre-approved with a trusted lender

Estimates for educational purposes only. Actual rates, taxes, insurance and payments vary by lender, property and credit profile. Abode Realty Group does not provide loans.