CALCMONEY // MORTGAGE // CA // MANHATTAN BEACH // 90266
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 90266 in Manhattan Beach, CA. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,750,000
$2,200,000
$16,982
$727,816/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,750,000 | $2,475,000 | $16,218 | $18,784 | 6.85% |
| 20% Down | $2,750,000 | $2,200,000 | $14,416 | $16,982 | 6.85% |
| 25% Down | $2,750,000 | $2,062,500 | $13,515 | $16,081 | 6.85% |
Total monthly includes principal & interest, property tax (0.72% annual), and estimated homeowners insurance. PMI not included.
South Bay Premium (ZIP 90266) sits within Manhattan Beach, California with a median home price of $2,750,000 — significantly above the Manhattan Beach city-wide median of $2,750,000. At 80% LTV, the typical loan amount of $2,200,000 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 90266 run 0.72% annually, adding $1,650 per month on the median home. Median household income in this neighborhood is approximately $475,000, 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.