Beverly Hills Mortgage Rates Today: Jumbo, 30-Year & Payment

Quick answer: $2,930,205 mortgage payment at 6.48%

In Beverly Hills, CA, a $2,930,205 loan at 6.48% for 30 years is about $18,482 per month for principal and interest. Estimated local property tax adds about $3,358 per month, so the before-insurance total shown here is roughly $21,840 per month.

$2,930,205 at 6.48% for 30 years is about $18,482 per month for principal and interest before property tax, homeowners insurance, HOA dues, PMI, points, or lender fees. Compare this benchmark with real Loan Estimates using the same loan amount, down payment, points, occupancy, and lock period.

Beverly Hills mortgage quote checklist

The useful Beverly Hills comparison is the full loan estimate, not only the advertised rate. At the local input of $3,662,756, this page models a $2,930,205 loan, $732,551 down payment, about $3,358 in monthly property tax, and an income target near $936,000 under a 28% housing-cost rule. That is about $862,700 above the local median household income input, so down payment, assistance, seller credits, and debt-to-income are central to the decision.

Beverly Hills loan scenarios: 30-year, 15-year, FHA and 10% down

The same $3,662,756 home in Beverly Hills, CA can produce very different payments depending on loan type, down payment, and mortgage insurance. Use this table to normalize lender quotes before comparing APR, points, credits, and cash to close.

In Beverly Hills, estimated property tax adds about $3,358 per month before homeowners insurance, HOA dues, flood coverage, condo dues, PMI/MIP, points, and lender-specific fees. Compare full PITI and cash to close, not only the advertised rate.

Beverly Hills Mortgage Rate Snapshot

As of June 4, 2026, the Beverly Hills benchmark on this page shows a 6.48% 30-year fixed rate, 5.79% 15-year fixed rate, and 6.25% jumbo benchmark. Using a $3,662,756 Beverly Hills market value with 20% down, estimated 30-year principal and interest is $18,482 per month before tax, insurance, HOA, points, or lender credits. Los Angeles County's 2026 one-unit conforming loan limit is $1,249,125, so higher-priced Beverly Hills purchases often need jumbo underwriting even when the national benchmark looks lower.

Beverly Hills / Los Angeles County Mortgage Shopping Notes

Beverly Hills mortgage shopping is mainly a jumbo-loan, cash-to-close, property-tax, and luxury-market comparison. A small rate difference can move the payment by hundreds of dollars per month because loan balances are high.

• Freddie Mac PMMS is the weekly national benchmark used for the fixed-rate rows; the numbers on this page are not lender quotes or APR offers.
• Los Angeles County 2026 one-unit conforming loan limit is $1,249,125 under FHFA high-cost-area limits. Beverly Hills purchases above that loan amount may require jumbo pricing, larger reserves, and stricter underwriting.
• HUD lists the 2026 FHA one-unit high-cost ceiling at $1,249,125. Buyers should still verify the current county FHA limit before assuming FHA eligibility on a high-priced property.
• California property-tax math starts with the statewide 1% general levy, then voter-approved debt, direct assessments, and purchase reassessment rules can change the escrow estimate.
• Los Angeles County documentary transfer tax is generally $0.55 per $500 of value, while special city transfer-tax rules apply to certain other Los Angeles County cities. Beverly Hills buyers should confirm closing-cost responsibility with escrow.
• The market input on this page uses Zillow Home Value Index data for Beverly Hills typical home value because local sale medians can swing sharply with a small number of luxury transactions.

Calculate Your Beverly Hills Mortgage Payment

Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.

Methodology & Mortgage Data Sources for Beverly Hills

How we calculate Beverly Hills mortgage rates and payments: 30-year and 15-year fixed benchmarks start with Freddie Mac Primary Mortgage Market Survey (PMMS) data. Other product rows are informational benchmarks, not lender quotes. Local variation in Beverly Hills reflects county loan-limit context, state-level closing-cost assumptions, and the payment inputs shown on this page.

1. Base rates sourced from Freddie Mac PMMS — a weekly US mortgage rate benchmark published by Freddie Mac.
2. Local context for Beverly Hills reflects California housing inputs, FHFA conforming loan limits, FHA county limits where relevant, and regional closing-cost assumptions.
3. Monthly payment calculation uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1]. Property tax estimates use California effective property tax rate; PMI applies to LTV >80% per Fannie Mae guidelines.
4. Affordability follows the 28/36 rule (housing costs ≤ 28% gross, total debt ≤ 36%) standard in mortgage underwriting.

Authoritative data sources:

• Freddie Mac Primary Mortgage Market Survey archive — weekly US mortgage rate benchmark
• FRED — 30-Year Fixed Rate Mortgage — Federal Reserve historical rate data
• FHFA Conforming Loan Limits — county-level conforming/jumbo cutoffs
• HUD FHA Mortgage Limits — county FHA forward loan limit lookup
• CFPB Rate Explorer — consumer mortgage rate-shopping tool
• U.S. Census — Beverly Hills QuickFacts — local population and income estimates

Disclaimer: Rate quotes shown are based on weekly published averages and are for informational use only — they are not loan offers. Your actual rate depends on credit score, loan-to-value, debt-to-income ratio, occupancy, and lender-specific factors. Get personalized quotes from at least 3 licensed lenders before committing. Use the CFPB Rate Explorer to compare offers.

Last updated from Freddie Mac PMMS data on June 4, 2026. Source reviewed May 29, 2026 against public mortgage, housing, and consumer-protection data before publication.

First-Time Buyer Assistance & Local Programs in Beverly Hills

Beyond conventional 30-year fixed rates, Beverly Hills buyers may qualify for low-down-payment programs, down-payment assistance (DPA), or tax-credit programs. Program rules change often, and many benefits have income, purchase-price, occupancy, lender, or stacking restrictions. Verify the current rules before assuming eligibility:

Program note: California HFA benefits can be valuable, but the lowest advertised rate is not always the cheapest total loan once points, mortgage insurance, assistance repayment rules, and closing costs are included. Compare full Loan Estimates.

What are the current mortgage rates in Beverly Hills, CA?

As of June 4, 2026, the 30-year fixed benchmark shown for Beverly Hills, California is 6.48%, while the 15-year fixed benchmark is 5.79%. FHA, VA, ARM, and jumbo rows are informational benchmarks. Your actual APR depends on lender pricing, credit score, points, loan amount, down payment, occupancy, and fees.

How much is a monthly mortgage payment in Beverly Hills?

Based on the median home price of $3,662,756 with 20% down, the estimated monthly mortgage payment in Beverly Hills is $18,482 for principal and interest. Including estimated property taxes of $3,358/month, the total monthly housing cost before insurance, HOA, PMI/MIP, and local assessments is approximately $21,840.

What income do I need to buy a home in Beverly Hills?

Using the 28% rule, you would need an annual income of approximately $936,000 to afford the median-priced home in Beverly Hills at $3,662,756. The median household income in Beverly Hills is $73,300. This means most households would need to either earn above the median or consider homes below $3,662,756.

Is Beverly Hills a good place to buy a home in 2026?

Beverly Hills has a higher cost of living than average with a cost of living index of 137.5 (national average = 100). The property tax rate in California is 1.1%, which is near the national average. Beverly Hills has a population of 32,701 and offers a balanced lifestyle.

Are Beverly Hills mortgage rates usually jumbo rates?

Often, yes. The 2026 Los Angeles County one-unit conforming loan limit is $1,249,125, so a Beverly Hills buyer with a loan amount above that cutoff is typically shopping jumbo pricing. Jumbo quotes can depend heavily on credit score, loan-to-value, reserves, property type, relationship discounts, points, and lock period.

Why is the Beverly Hills payment so sensitive to mortgage rates?

The loan balance is the driver. On a multi-million-dollar purchase, even a small rate difference can change principal and interest by hundreds of dollars per month. Beverly Hills buyers should compare APR, lender credits, points, reserve requirements, escrow assumptions, and cash-to-close instead of choosing only the lowest advertised rate.

How should Beverly Hills buyers estimate property taxes?

Start with California purchase reassessment under Proposition 13, then add voter-approved debt, direct assessments, exemptions, and any escrow rules from the lender. Existing-owner tax bills may be much lower than a new buyer's expected bill because California assessed values can differ sharply from current market value.

Does Measure ULA apply to Beverly Hills purchases?

Measure ULA is a City of Los Angeles transfer tax, not a countywide Beverly Hills tax. Beverly Hills transactions still need county documentary transfer tax review and escrow confirmation because transfer-tax responsibility and exemptions can depend on the exact property, deed, and sale terms.

Sources & Methodology

• 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), with payment math updated from the latest published benchmark.
• Median home price: $3,662,756 based on current housing-market inputs for Beverly Hills; compare against active listings before making an offer.
• Property tax rate: 1.1% effective estimate; California buyers should also verify purchase reassessment, bonds, and special assessments with the county or lender.
• Median household income: $73,300 per US Census Bureau ACS 5-year estimate.
• Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).