Home Affordability in Huntington Beach, CA
The median home price in Huntington Beach is $1,100,000 with a median household income of $101,082. Housing is significantly stretched relative to local incomes.
Median Home Price
$1,100,000
Median Income
$101,082
Price-to-Income Ratio
10.9x
Est. Affordable Home
$393,000
Property Tax Rate
0.65%
Annual Property Tax
$7,150
Sales Tax Rate
7.75%
Cost of Living Index
160
Buying a Home in Huntington Beach
Based on the 28% rule (spending no more than 28% of gross income on housing), a household earning the median income of $101,082 in Huntington Beach can afford a monthly housing payment of approximately $2,359. This translates to a home price of roughly $393,000, which is below the median home price of $1,100,000 — many households may need a higher income, larger down payment, or should consider more affordable neighborhoods.
Property taxes on a median-priced home in Huntington Beach would be approximately $7,150 per year ($596/month) at the effective rate of 0.65%.
Down Payment Scenarios
| Down Payment | Amount | Loan Amount | PMI Required |
|---|---|---|---|
| 3% | $33,000 | $1,067,000 | Yes |
| 5% | $55,000 | $1,045,000 | Yes |
| 10% | $110,000 | $990,000 | Yes |
| 20% | $220,000 | $880,000 | No |
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