Total monthly cost of ownership
Cost to Own a Home in Huntington Beach, California
A $1,047,000 home here costs
$7,292per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $5,383. The real number is $1,909 higher every month — 35% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Huntington Beach against Orange County and California
| Measure | Huntington Beach | Orange County |
|---|---|---|
| Median home value | $1,047,300 | $915,500 |
| Median property tax | $6,097 | $6,096 |
| Effective tax rate | 0.582% | 0.666% |
| Median gross rent | $2,424 | $2,352 |
| Population | 196,010 | 3,164,063 |
The weather behind that power bill
Huntington Beach sits in Orange County, which averages a high of 87.3°F in its hottest month and a low of 42.8°F in its coldest, with 14.12" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 1,246 cooling and 1,287 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Orange County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Full Orange County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Huntington Beach?
A $1,047,000 home in Huntington Beach, California costs approximately $7,292 per month with 20% down at 6.66%. That is $5,383 principal and interest, $508 property tax, $162 homeowners insurance, $367 utilities and $873 set aside for maintenance.
What is the property tax rate in Huntington Beach?
Huntington Beach has an effective property tax rate of 0.582%, based on a median home value of $1,047,300 and median real estate taxes of $6,097. That is lower than the Orange County average of 0.666%.
What is the average home price in Huntington Beach?
The median owner-occupied home value in Huntington Beach, California is $1,047,300, against $915,500 across Orange County.
Is it cheaper to rent or buy in Huntington Beach?
Median gross rent in Huntington Beach is $2,424 a month, against $7,292 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Huntington Beach — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for California.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.