CALCMONEY // HOME AFFORDABILITY // CA // ANAHEIM
How much house can you afford in Anaheim? Based on local median home prices, current CA mortgage rates, and Anaheim property tax data.
$780,000
$4,895/mo
$209,778/yr
$180,081
Monthly housing costs of $4,895 represent 78.3% of Anaheim's median gross monthly income ($6,250/mo). At 78.3%, median-income buyers in Anaheim are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $780,000 |
| Down Payment (20%) | $156,000 |
| Loan Amount | $624,000 |
| Monthly PI Payment | $4,089 |
| Monthly Property Tax | $481 |
| Monthly Insurance Est. | $325 |
| Total Monthly PITI | $4,895 |
| Housing Cost % of Income | 78.3% |
| Required Income (28% rule) | $209,778/yr |
| Max Affordable Home | $180,081 |
$27,300
$6,271/mo
Anaheim Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $780,000 | Anaheim city median |
| Down Payment (20%) | $156,000 | Conventional loan |
| Monthly PITI | $4,895 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $209,778 | Annual gross |
| Max Affordable Home | $180,081 | Based on median income |
| FHA Down (3.5%) | $27,300 | Minimum FHA |
| Housing Cost % of Income | 78.3% | Median income: $75,000/yr |
| Property Tax Rate | 0.74% | $5,772/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Anaheim is $780,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $624,000, generating a monthly P&I payment of $4,089. Adding property taxes ($481/mo) and homeowners insurance ($325/mo) brings total monthly PITI to $4,895.
Anaheim's property tax rate of 0.74% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Anaheim median home, that is $481/month, or $5,772 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Anaheim should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Anaheim's median income of $75,000/year can afford up to $1,750/month in total housing costs. Based on Anaheim's mortgage rate of 6.85% and property tax rate of 0.74%, that translates to a maximum affordable home price of approximately $180,081 with 20% down on a 30-year loan.
To afford the median Anaheim home priced at $780,000, you need an annual gross income of approximately $209,778. Total monthly housing costs (principal and interest of $4,089, property taxes of $481, and insurance of $325) come to $4,895/month, which equals 28% of the required income.
At the median home price of $780,000 and median household income of $75,000, the total monthly housing cost of $4,895 represents 78.3% of gross monthly income. This is well above the standard 28% threshold, making Anaheim a challenging market for buyers at median income.
A conventional 20% down payment on the median Anaheim home of $780,000 is $156,000. An FHA loan requires just 3.5% down — $27,300 — but adds mortgage insurance of roughly $533/month, bringing total FHA payments to $6,271/month.
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