Los Angeles Money Calculators
17 free calculators built on Los Angeles's own tax, housing and insurance rules — each with the reasoning explained.
Los Angeles at a glance
| State and local income tax | California 1%–12.3% (+1% over $1M) and 1.3% SDI |
|---|---|
| Take-home on $100,000 (single, no deductions) | $72,821 |
| Property tax | LA homes are taxed at about 1% of the Proposition 13 assessed value plus voter-approved bonds and direct assessments, which together usually bring the rate to around 1.1% to 1.3% depending on the tax rate area. |
| Government closing taxes on a $500,000 purchase (buyer + seller) | $2,800 |
| Transit | LA Metro: about $78 a month |
| Auto insurance minimum | Liability 30/60/15 ($30,000 per person, $60,000 per accident bodily injury; $15,000 property damage), in effect since 01/01/2025. No PIP requirement. |
Income taxes in Los Angeles
Los Angeles residents pay California income tax from 1% to 12.3%, plus the 1% Mental Health Services Tax above $1 million of taxable income. The City of Los Angeles does not levy a personal income tax.
Every LA paycheck includes California State Disability Insurance at 1.3% of wages for 2026, with no cap, which funds disability and paid family leave benefits.
Housing: renting and buying
Los Angeles is a car-oriented city of distinct neighborhoods, from Silver Lake and Koreatown to the San Fernando Valley and the Westside. A large share of older apartments fall under the Rent Stabilization Ordinance (RSO), which limits yearly increases for existing tenants.
LA homes are taxed at about 1% of the Proposition 13 assessed value plus voter-approved bonds and direct assessments, which together usually bring the rate to around 1.1% to 1.3% depending on the tax rate area. Mello-Roos charges can add more in newer developments. Owner-occupants can claim the $7,000 homeowners' exemption.
Closing costs and transfer taxes
Sales in the City of Los Angeles pay a city transfer tax of 0.45% and an LA County tax of 0.11%. Since April 2023, Measure ULA adds 4% on sales over a threshold that is adjusted each year (over $5.3 million as of mid-2025) and 5.5% at the upper threshold ($10.6 million). ULA applies only inside city limits, so Beverly Hills or Santa Monica sales follow their own rules.
Getting around
LA Metro's $1.75 fare includes fare capping at $5 a day and $18 a week, but most Angelenos drive. Commutes on the 405, 10 and 101 freeways make gas and car wear a large part of the budget, and ExpressLanes add optional tolls.
Insurance and everyday costs
California's 30/60/15 minimum liability applies, and insurers cannot use credit scores. Long commutes, traffic density and high repair costs make LA premiums among the highest in the state.
Childcare prices in Los Angeles vary sharply between neighborhoods. California's universal transitional kindergarten (TK) now covers all four-year-olds, which lowers costs for families with a child of that age.
Housing and transportation are the two biggest costs in Los Angeles. Unlike NYC or San Francisco, most households need at least one car.
How to use the Los Angeles calculators
Every tool below uses Los Angeles's own rules — the California tax engine for paychecks, the LA County Assessor's method for property tax, and local transfer taxes for closing costs. Start with the paycheck calculator to see real take-home pay, then use the housing tools to test rents or home prices against it. Each result comes with a Reasoning box that explains which rule mattered most.
Income & Taxes
Housing & Real Estate
Insurance & Everyday Costs
Los Angeles Special Tools
Frequently asked questions
Does Los Angeles have a city income tax?
No. Los Angeles does not levy a personal income tax; see the paycheck calculator for state taxes.
How much is take-home pay on $100,000 in Los Angeles?
About $72,821 a year for a single filer with no pre-tax deductions, based on 2026 rules.
Where do the Los Angeles numbers come from?
Tax rates and rules come from official sources such as the IRS, the California Franchise Tax Board and the LA County Assessor. Cost estimates such as typical rent are Rate and Reason starting points that you can replace with your own numbers.