CALCMONEY // MORTGAGE // CA // LOS ANGELES // 90402
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 90402 in Los Angeles, CA. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,400,000
$1,920,000
$14,821
$635,185/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,400,000 | $2,160,000 | $14,154 | $16,394 | 6.85% |
| 20% Down | $2,400,000 | $1,920,000 | $12,581 | $14,821 | 6.85% |
| 25% Down | $2,400,000 | $1,800,000 | $11,795 | $14,035 | 6.85% |
Total monthly includes principal & interest, property tax (0.72% annual), and estimated homeowners insurance. PMI not included.
North of Montana (ZIP 90402) sits within Los Angeles, California with a median home price of $2,400,000 — significantly above the Los Angeles city-wide median of $895,000. At 80% LTV, the typical loan amount of $1,920,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 90402 run 0.72% annually, adding $1,440 per month on the median home. Median household income in this neighborhood is approximately $415,000, placing the price-to-income ratio at 5.8x. California levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.