Real numbers before you make a move
Three quick tools. Change any number and the result updates. Want an exact version for a specific home? Ask me.
Monthly payment
LA County property tax runs about 1.1 to 1.25 percent of purchase price. PMI is added automatically when the down payment is under 20 percent. Rate default is the Freddie Mac national average for the week of Sep 10, 2026; your rate will differ.
Rent vs own
Owning includes principal and interest, 1.2 percent property tax, insurance, 1 percent a year maintenance, and PMI under 20 percent down. Selling costs of 6 percent are subtracted at the end. Tax deductions are not included, so this leans conservative for owning.
Seller net proceeds
LA County transfer tax is $1.10 per $1,000. Some cities add their own (City of LA adds $4.50 per $1,000, Redondo Beach $2.20, Culver City and Santa Monica more). Commission is negotiable and set in your listing agreement.