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City · 19,063 residents · Los Angeles County, California

Hermosa Beach , California

In Hermosa Beach, a typical home is worth $2,000,001 and typical rent is $2,887 a month. Compared with all of Los Angeles County, the typical home value is 140% higher and typical household income is 85% higher.

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  • Typical home value

    $2,000,001

    140% above the county

    172% above California

    • Hermosa Beach
    • Los Angeles
    • California

  • Typical rent

    $2,887a month

    48% above the county

    42% above California

    • Hermosa Beach
    • Los Angeles
    • California

  • Typical household income

    $166,442a year

    85% above the county

    68% above California

    • Hermosa Beach
    • Los Angeles
    • California

  • Households that own their home

    51%

    5 points above the county

    5 points below California

    • Hermosa Beach
    • Los Angeles
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$2,272,277
5.5% more than 12 months ago
Typical rent
$3,970 a month
7.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hermosa Beach is in Los Angeles County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Los Angeles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hermosa Beach apart

What this place has that others do not, from public data, most unusual first.

  1. Hermosa Beach has the highest typical home value of the 654 cities in California with more than 5,000 people: $2,000,001.

  2. The typical household income in Hermosa Beach is $166,442, 85% more than in Los Angeles County as a whole ($90,112).

  3. Nearby, in Lawndale, the typical home value is $781,900: 61% less than in Hermosa Beach ($2,000,001).

  4. The typical rent in Hermosa Beach is $2,887 a month, 48% more than in Los Angeles County as a whole ($1,954).

  5. Nearby, in Lawndale, the typical rent is $1,938: 33% less than in Hermosa Beach ($2,887).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Hermosa Beach rose 5.5%; in California, it rose 0.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hermosa Beach

What homes there are in Hermosa Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in Hermosa Beach; the largest group, detached houses, adds up to 46%, near the figure in Los Angeles County (47%).

Year built

By age, homes in Hermosa Beach look like those in Los Angeles County: the typical year built is 1968.

By size, homes in Hermosa Beach look like those in Los Angeles County: 45% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Without a mortgage

$870 a month

Los Angeles County: $843 a month

Owners with a mortgage

70%

Los Angeles County: 68%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Los Angeles County, the typical rent in Hermosa Beach rose 32% since 2015–2019.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHermosa BeachLos Angeles CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.0%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 2.9%10.9%8.2%3.4%
People per household 2.132.812.842.53
Drive alone 53%65%66%69%
Carpool 5%9%10%9%
Public transit Unreliable estimate4%3%3%
Walk or bike 3%3%3%3%
Work from home 37%17%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.9% of households in Hermosa Beach live, less than in Los Angeles County (10.9%).

On average, a household in Hermosa Beach has 2.13 people, fewer than in Los Angeles County (2.81).

In Hermosa Beach, 37% of workers work from home, more than in Los Angeles County (17%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Hermosa Beach?

A typical home costs more than the typical income allows

We start with a typical home in Hermosa Beach, worth $2,000,001, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 117% of the typical household income in Hermosa Beach, which is $166,442 a year. For that payment to be 28% of income, a household would need to earn about $693,267 a year. Note: at that price the loan is above the FHA limit for Los Angeles County ($1,249,125), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Los Angeles County.

Your numbers

Local data
$

Starts at the typical home value in Hermosa Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $70,000 (3.5% of the price). The usual minimum for this loan is 3.5%.

This loan usually requires at least 3.5% down.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$16,176

at 7.18% · 30 years

Loan amount
$1,963,776
Total interest
$2,825,413
Paid off in
November 2056

Includes $33,775 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,884 a month

  • Tight

    $3,884 to $4,993 a month

  • Hard

    more than $4,993 a month

    Your payment · 117%

Compared with the typical household income in Hermosa Beach ($166,442 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$16,176
Principal & interest$13,303
Property tax$833
Home insurance$833
FHA mortgage insurance (MIP)$1,206

This loan is over the FHA limit

You'd borrow $1,930,001, but the FHA limit for a one-unit home in Hermosa Beach is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $70,000 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Hermosa Beach and Los Angeles County

Hermosa Beach is in Los Angeles County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Hermosa Beach's own numbers

Typical home value
$2,000,001
Typical monthly rent
$2,887
Typical yearly household income
$166,442
Households that own their home
51%
Effective property tax rate
0.5%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Los Angeles County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,964
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Los Angeles County.

Everything about Los Angeles County

Buying

Buying a home in Hermosa Beach

A typical home in Hermosa Beach is worth $2,000,001: 140% above the county and 172% above California. With the typical household income in Hermosa Beach ($166,442 a year), a typical home costs 12.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Hermosa Beach 12.0 years
  • Los Angeles 9.3 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Los Angeles County

According to FHFA’s house price index, home prices in Los Angeles County rose 87% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Los Angeles County.

Period County California U.S.
Last year (2025) +1.7% +0.8% +2.9%
5 years (2020–2025) +43% +40% +47%
10 years (2015–2025) +87% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Hermosa Beach next to Los Angeles County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Hermosa Beach $2,000,001
  • Los Angeles $834,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Hermosa Beach $2,887
  • Los Angeles $1,954
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Hermosa Beach $166,442
  • Los Angeles $90,112
  • California $99,122
  • United States $80,734
See the full table
Hermosa Beach next to Los Angeles County and California
Measure Hermosa Beach Los Angeles County California U.S.
Typical home value $2,000,001 $834,200 $734,700 $332,700
Typical monthly rent $2,887 $1,954 $2,036 $1,413
Typical yearly household income $166,442 $90,112 $99,122 $80,734
Households that own their home 51% 46% 56% 65%
Typical yearly property tax $10,001 $5,675 $5,124 $3,119
Effective property tax rate 0.5% 0.68% 0.7% 0.94%
Renters with high rent for their income 45% 58% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Los Angeles County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Hermosa Beach

For a typical $2,000,001 home in Hermosa Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hermosa Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $16,176a month

    Above the FHA limit for Los Angeles County ($1,249,125)
    Down payment
    $70,000
    Cash to close
    $130,000
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $1,206

  • Conventional, 5% down $15,488a month

    Above the conventional limit for Los Angeles County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $100,000
    Cash to close
    $160,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $950

  • Conventional, 20% down, no PMI $12,506a month

    Above the conventional limit for Los Angeles County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $400,000
    Cash to close
    $460,000
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $14,355a month

    Down payment
    $300,000
    Cash to close
    $360,000
    Rate
    8.18%
    Mortgage insurance
    None
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hermosa Beach and for Los Angeles County.

Property tax

Effective rate in Hermosa Beach

0.5%of the home’s value each year

$10,001 a year for the typical owner in Hermosa Beach.

  • Hermosa Beach 0.5%
  • Los Angeles 0.68%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Los Angeles County

FEMA does not publish these numbers by city: they are for all of Los Angeles County.

Homes in the high-risk zone
0.5%
11,989
Of those, with NFIP insurance
33%
County California U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 33% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hermosa Beach

Typical rent in Hermosa Beach is $2,887 a month: 48% above the county. In Hermosa Beach, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Los Angeles County, by unit size. To pay the 2-bedroom one ($2,964 a month) without spending more than 30% of your income, you would need to earn $57.00 an hour working full time.

HUD fair market rent for all of Los Angeles County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,151 $41.37 $86,040
1 bedroom $2,402 $46.19 $96,080
2 bedrooms $2,964 $57.00 $118,560
3 bedrooms $3,760 $72.31 $150,400
4 bedrooms $4,208 $80.92 $168,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Hermosa Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hermosa Beach is in ZIP code 90254.

For 2 bedrooms it is $4,310: $1,346 more than the fair market rent for Los Angeles County ($2,964).

  • 90254 $4,310$5,470

A ZIP code counts for Hermosa Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Hermosa Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 17 HUD-approved agencies with an office in Los Angeles County; 13 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Hermosa Beach

1 program is for Hermosa Beach or Los Angeles County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in California: they work in Hermosa Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in California

Housing counselors near Hermosa Beach

The HUD-approved agencies closest to the center of Hermosa Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Los Angeles, CA

    11633 Hawthorne Blvd Ste 100, Hawthorne · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    310-412-2600-1385

  • The American Dream Grant Program

    5901 W Century Blvd Ste 750, Los Angeles · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (310) 692-1380

  • Money Management International, Los Angeles

    6080 Center Dr Fl 6, Los Angeles · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

Every agency in Los Angeles County All counseling agencies in California

Help in Spanish near Hermosa Beach

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Hermosa Beach

HUD’s record names them for Hermosa Beach or Los Angeles County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Los Angeles County Development Authority Public housing and Section 8 vouchers (626) 586-1500

19 other authorities have an office in Los Angeles County: see the list Source: HUD

Cities

Other cities in Los Angeles County

These cities are also in Los Angeles County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Los Angeles County Housing in California
See 108 more cities in Los Angeles County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Hermosa Beach, with the typical home value.

Neighboring counties

If Los Angeles County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Hermosa Beach.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Hermosa Beach

Short answers with the numbers for Hermosa Beach and all of Los Angeles County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Hermosa Beach?

The typical home value in Hermosa Beach is $2,000,001, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Los Angeles County it is $834,200.

How much does it cost to rent in Hermosa Beach?

Typical rent in Hermosa Beach is $2,887 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Los Angeles County is $2,964.

What is the FHA loan limit in Hermosa Beach?

Hermosa Beach uses the FHA limit for all of Los Angeles County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Hermosa Beach?

The typical homeowner in Hermosa Beach pays $10,001 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Los Angeles County, the rate is 0.68%.

Where can I find free help to buy or rent in Hermosa Beach?

There are 17 HUD-approved counseling agencies with an office in Los Angeles County. 13 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).