Your Property Details
Huntington Beach, Orange County median: $1,250,000
Huntington Beach, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $13,500
Your Equity Position
Current Equity
$500,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$1,000,000
Cash Available
$250,000
Max New Loan
$1,062,500
Cash Available
$312,500
Max New Loan
$1,125,000
Cash Available
$375,000
5-Year Projection for Huntington Beach, Orange County
Based on 35.0% historical appreciation in Huntington Beach, Orange County, California:
Projected Value (5yr)
$1,687,500
Projected Equity Gain
$437,500
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Huntington Beach, Orange County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Huntington Beach, California?
Huntington Beach is in Orange County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Huntington Beach?
With Huntington Beach's median home value of $1,250,000, a homeowner with 40% equity could access approximately $250,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Huntington Beach, Orange County?
The average effective property tax rate in Huntington Beach is 1.08%. On a home valued at $1,250,000, that's approximately $13,500 per year. Property taxes are factored into your total PITI payment.
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