The typical owner-occupied home in Seal Beach is worth about $486,800, 34% below the California median of $734,700 and 46% above the national median of $332,700. Owners pay a median $3,154 a year in property taxes, about 0.65% of their home's value, lower than the California rate of 0.70%. The median household earns $85,964 a year, so the median home costs 5.7 times the median income (7.4 times for California). 77% of occupied homes here are lived in by their owners, and 31% of those owners still have a mortgage.
Seal Beach at a glance
| Seal Beach | California | U.S. | |
|---|---|---|---|
| Median home value | $486,800 | $734,700 | $332,700 |
| Median property tax paid per year | $3,154 | $5,124 | $3,119 |
| Property tax as a share of value | 0.65% | 0.70% | 0.94% |
| Median household income | $85,964 | $99,122 | $80,734 |
| Homes lived in by their owners | 77% | 56% | 65% |
| Owner homes with a mortgage | 31% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,769 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 27.2% | 24.8% | 21.0% |
| Median rent | $2,649 | $2,036 | $1,413 |
| Rent as a share of renters' income | 33.2% | 32.8% | 30.6% |
| Median year homes were built | 1966 | 1976 | 1980 |
| Vacant homes | 12.3% | 7.5% | 10.1% |
| Population | 24,722 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Seal Beach
At this week's average 30-year rate of 7.11%, buying the median Seal Beach home of $486,800 with 20% down costs about $3,086 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,897, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $132,270 for the 20%-down payment. That payment is 43% of the median Seal Beach household income of $85,964; at that income and 20% down, the 28% guideline points to a home of about $316,000.
The median rent here is $2,649 a month, so owning the median home costs about $437 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $97,360 |
|---|---|
| Loan amount | $389,440 |
| Principal and interest | $2,620 |
| Property taxes (0.65% a year) | $264 |
| Homeowners insurance (our estimate, 0.5% a year) | $203 |
| PMI | $0 |
| Total per month | $3,086 |
Change the numbers in the calculator
| Down payment | $17,038 |
|---|---|
| Loan amount | $477,983 |
| Principal and interest | $3,215 |
| Property taxes (0.65% a year) | $264 |
| Homeowners insurance (our estimate, 0.5% a year) | $203 |
| FHA mortgage insurance | $215 |
| Total per month | $3,897 |
Change the numbers in the calculator
Questions about home buying in Seal Beach
What is the median home value in Seal Beach?
About $486,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Seal Beach?
Homeowners pay a median $3,154 a year, which is about 0.65% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Seal Beach?
For the median home with 20% down at 7.11%, the payment is about $3,086 a month. Keeping that under 28% of gross income takes about $132,270 a year.
More about Seal Beach
- Mortgage Refinance in Seal Beach
- Debt Relief in Seal Beach
- Home Equity Loans in Seal Beach
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data