CALCMONEY // MORTGAGE // CA // MALIBU // 90265
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 90265 in Malibu, CA. This is a high-net-worth enclave — most purchases require jumbo financing.
$4,200,000
$3,360,000
$25,937
$1,111,573/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $4,200,000 | $3,780,000 | $24,769 | $28,689 | 6.85% |
| 20% Down | $4,200,000 | $3,360,000 | $22,017 | $25,937 | 6.85% |
| 25% Down | $4,200,000 | $3,150,000 | $20,641 | $24,561 | 6.85% |
Total monthly includes principal & interest, property tax (0.72% annual), and estimated homeowners insurance. PMI not included.
Pacific Coast Highway (ZIP 90265) sits within Malibu, California with a median home price of $4,200,000 — significantly above the Malibu city-wide median of $4,200,000. At 80% LTV, the typical loan amount of $3,360,000 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 90265 run 0.72% annually, adding $2,520 per month on the median home. Median household income in this neighborhood is approximately $720,000, 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.