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City · 20,225 residents · Los Angeles County, California

Lomita , California

In Lomita, a typical home is worth $831,500 and typical rent is $1,961 a month. Home values, rent and income are very close to those of all of Los Angeles County.

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  • Typical home value

    $831,500

    About the same as the county

    13% above California

    • Lomita
    • Los Angeles
    • California

  • Typical rent

    $1,961a month

    About the same as the county

    4% below California

    • Lomita
    • Los Angeles
    • California

  • Typical household income

    $93,810a year

    4% above the county

    5% below California

    • Lomita
    • Los Angeles
    • California

  • Households that own their home

    46%

    About the same as the county

    10 points below California

    • Lomita
    • Los Angeles
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$904,352
1.2% more than 12 months ago
Typical rent
$2,888 a month
1.9% more than 12 months ago

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

Lomita 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 Lomita apart

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

  1. Nearby, in West Carson, the typical home value is $689,700: 17% less than in Lomita ($831,500).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lomita

What homes there are in Lomita, 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

The detached house is the most common home in Lomita: 50% of homes, near the figure in Los Angeles County (47%).

Mobile homes are 7% of homes in Lomita, more than in Los Angeles County (2%).

Year built

By age, homes in Lomita look like those in Los Angeles County: the typical year built is 1967.

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

With a mortgage

$2,955 a month

Los Angeles County: $3,160 a month

Without a mortgage

$822 a month

Los Angeles County: $843 a month

Owners with a mortgage

71%

Los Angeles County: 68%

The typical cost for an owner with a mortgage in Lomita is $2,955 a month, less than in Los Angeles County ($3,160); without one, $822.

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

The typical home value in Lomita rose 38% since 2015–2019, less than in Los Angeles County (43%).

The typical rent in Lomita rose 41% over the same time; in Los Angeles County, it rose 34%.

Housing prices ran ahead of income in Lomita: typical income rose 31%, against +38% for home values and +41% for rent.

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

MeasureLomitaLos 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 7.4%10.9%8.2%3.4%
People per household 2.742.812.842.53
Drive alone 73%65%66%69%
Carpool 7%9%10%9%
Public transit Unreliable estimate4%3%3%
Walk or bike 6%3%3%3%
Work from home 11%17%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer households are short on space in Lomita: 7.4% have more than one person per room; in Los Angeles County, 10.9%.

Much as in Los Angeles County, a household in Lomita has 2.74 people on average.

In Lomita, 73% of workers drive alone to work; in Los Angeles County, 65%.

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 Lomita?

A typical home costs more than the typical income allows

We start with a typical home in Lomita, worth $831,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 87% of the typical household income in Lomita, which is $93,810 a year. For that payment to be 28% of income, a household would need to earn about $289,918 a year.

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 Lomita. 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 $29,103 (3.5% of the price). The usual minimum for this loan is 3.5%.

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

$6,765

at 7.18% · 30 years

Loan amount
$816,439
Total interest
$1,174,664
Paid off in
November 2056

Includes $14,042 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,189 a month

  • Tight

    $2,189 to $2,814 a month

  • Hard

    more than $2,814 a month

    Your payment · 87%

Compared with the typical household income in Lomita ($93,810 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,765
Principal & interest$5,531
Property tax$520
Home insurance$347
FHA mortgage insurance (MIP)$368

You need at least $29,103 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

Lomita and Los Angeles County

Lomita 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).

Lomita's own numbers

Typical home value
$831,500
Typical monthly rent
$1,961
Typical yearly household income
$93,810
Households that own their home
46%
Effective property tax rate
0.75%

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 Lomita

A typical home in Lomita is worth $831,500: about the same as the county and 13% above California. With the typical household income in Lomita ($93,810 a year), a typical home costs 8.9 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.

  • Lomita 8.9 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

Lomita 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
  • Lomita $831,500
  • Los Angeles $834,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Lomita $1,961
  • Los Angeles $1,954
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Lomita $93,810
  • Los Angeles $90,112
  • California $99,122
  • United States $80,734
See the full table
Lomita next to Los Angeles County and California
Measure Lomita Los Angeles County California U.S.
Typical home value $831,500 $834,200 $734,700 $332,700
Typical monthly rent $1,961 $1,954 $2,036 $1,413
Typical yearly household income $93,810 $90,112 $99,122 $80,734
Households that own their home 46% 46% 56% 65%
Typical yearly property tax $6,232 $5,675 $5,124 $3,119
Effective property tax rate 0.75% 0.68% 0.7% 0.94%
Renters with high rent for their income 52% 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 Lomita

For a typical $831,500 home in Lomita, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lomita's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,765a month

    Least cash to close
    Down payment
    $29,103
    Cash to close
    $54,048
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $368

  • Conventional, 5% down $6,612a month

    Down payment
    $41,575
    Cash to close
    $66,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $395

  • Conventional, 20% down, no PMI $5,372a month

    Down payment
    $166,300
    Cash to close
    $191,245
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,141a month

    Down payment
    $124,725
    Cash to close
    $149,670
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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 Lomita and for Los Angeles County.

Property tax

Effective rate in Lomita

0.75%of the home’s value each year

$6,232 a year for the typical owner in Lomita.

  • Lomita 0.75%
  • 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 Lomita

Typical rent in Lomita is $1,961 a month: about the same as the county. In Lomita, 52% 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 Lomita

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lomita is in ZIP code 90717.

For 2 bedrooms it is $2,930: $34 less than the fair market rent for Los Angeles County ($2,964).

  • 90717 $2,930$3,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lomita 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?

Low-income apartments

Low-income apartments in Lomita

HUD lists one building with rents for lower incomes in Lomita.

  • Harbor Hills 26401 Western Ave, Lomita 90717 301 low-income homes · Run by Los Angeles County Development Authority · Average payment: $644 a month · Average wait: 77 months (626) 586-1500

See all 1,535 buildings in Los Angeles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lomita

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Lomita

1 program is for Lomita 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 Lomita the same as in the rest of the state.

Which programs do I qualify for? All programs in California

Housing counselors near Lomita

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

  • Fair Housing Foundation

    3605 Long Beach Blvd, Long Beach · 8 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Rental counseling
    • Rental workshops
    (562) 989-1206

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

    11633 Hawthorne Blvd Ste 100, Hawthorne · 10 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 · 11 miles away · Spanish

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

Every agency in Los Angeles County All counseling agencies in California

Help in Spanish near Lomita

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 Lomita

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

  • Housing Authority of the City of Lomita Public housing (310) 325-7110
  • Los Angeles County Development Authority Public housing and Section 8 vouchers (626) 586-1500

18 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 Lomita, 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 Lomita.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Lomita

Short answers with the numbers for Lomita 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 Lomita?

The typical home value in Lomita is $831,500, 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 Lomita?

Typical rent in Lomita is $1,961 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 Lomita?

Lomita 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 Lomita?

The typical homeowner in Lomita pays $6,232 a year, according to the U.S. Census Bureau. That is 0.75% 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 Lomita?

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).