Mortgage & Affordability Calculator
Built for Los Angeles County buyers. It includes local property tax rates, insurance, and 2026 loan limits, so you’ll know whether your loan is conforming, high-balance, or jumbo before you make an offer.
Common questions
What is the 2026 conforming loan limit in Los Angeles County?
For one-unit homes in Los Angeles County, the 2026 standard conforming limit is $832,750 and the high-balance conforming limit is $1,249,125. Larger loans are jumbo loans.
How much house can I afford in Burbank?
Most lenders cap total monthly debt, including the new housing payment, at about 43–45% of gross income. With LA County property taxes of about 1.1–1.25% a year plus insurance, a household earning $300,000 a year with modest debts and $250,000 down can often afford around $1.4–1.5 million at a mid-6% rate. Use the calculator with your own numbers and confirm with a lender.
What property tax rate should I use for Burbank, Glendale, or Pasadena?
Most homes in these cities pay roughly 1.1% to 1.25% of the purchase price each year: the 1% Prop 13 base rate plus local voter-approved bonds and assessments. Check the property's current tax bill for exact direct assessments.
These are estimates for planning only, not a loan offer or pre-approval. The 2026 Los Angeles County loan limits for a one-unit home are $832,750 (standard conforming), $1,249,125 (high-balance conforming and FHA maximum), and anything above that is jumbo. PMI is estimated at 0.5% of the loan per year when the down payment is under 20%. Your real rate, PMI, and approval depend on credit, reserves, and your lender’s guidelines. Will Flannigan, Real Estate Agent, DRE #01951292 · The Nell Team at Equity Union Real Estate.