FHA Loans in Long Beach, CA
Long Beach offers beach town vibes at more affordable prices than LA. With FHA limits up to $1,249,125 and homes under $1M, LB is perfect for first-time buyers.
Long Beach combines port city character with beach town living at accessible prices
Why Buy a Home in Long Beach with FHA?
Port Economy
Port of Long Beach is a major employer. Logistics, shipping, and trade jobs provide stable income for homebuyers.
More Affordable
Same LA County FHA limit, lower prices. LB offers coastal living at $100K+ less than comparable LA neighborhoods.
Diverse Neighborhoods
From Belmont Shore beach vibes to Bixby Knolls vintage charm—LB has neighborhoods for every taste.
Transit Access
Metro Blue Line to DTLA, Port transit, and growing bike infrastructure. Live in LB, commute anywhere.
Investment Potential
LB is gentrifying rapidly. Buy now with FHA, build equity as neighborhoods improve.
Beach + City
Walk to the beach, bike to downtown, enjoy urban amenities. Best of both worlds at FHA-accessible prices.
Long Beach Neighborhoods for FHA Buyers
These LB communities have homes within the $1,249,125 FHA limit:
Bixby Knolls
Price Range: $750K-$1.1M
Character: Tree-lined streets, vintage charm
Signal Hill
Price Range: $650K-$950K
Character: Own city, great views
Belmont Shore
Price Range: $900K-$1.4M
Character: Beach living, 2nd Street shops
Lakewood Village
Price Range: $600K-$850K
Character: Quiet, family-oriented
Wrigley
Price Range: $550K-$800K
Character: Historic, affordable
California Heights
Price Range: $700K-$1M
Character: Craftsman homes, character
Long Beach Homeowners Share Their Stories
"We wanted the beach but couldn't afford it. Bixby Knolls gave us tree-lined streets, walkable coffee shops, and an FHA-eligible 1940s bungalow. Emmett made it happen!"
January 2026
"Single income, night shift nurse. Signal Hill was perfect—close to work, safe, and FHA-eligible. Emmett found a lender who counted my overtime correctly."
December 2025
Get Your FHA Loans Quote
Connect with Emmett directly. Quick response, personalized guidance for your Long Beach home purchase.
Why Contact Emmett?
- ✓ Local Long Beach market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation
Calculate Your Long Beach FHA Payment
See what you can afford in Long Beach with our FHA mortgage calculator.
Open CalculatorLong Beach FHA Loan FAQs
What is the FHA loan limit in Long Beach for 2026?
Long Beach falls under LA County's FHA limit of $1,249,125 for single-family homes. This covers most LB neighborhoods including Belmont Shore, Bixby Knolls, and Signal Hill.
Which Long Beach neighborhoods are best for FHA buyers?
FHA-friendly LB areas include Bixby Knolls, Signal Hill, Lakewood Village, Wrigley, and parts of North Long Beach. Homes range from $550K-$900K in these neighborhoods.
Is Long Beach more affordable than LA?
Yes! Long Beach offers coastal living at lower prices than LA or Orange County. You get the same high FHA limit ($1,249,125) but more inventory within that range.
Can I buy a condo near the beach with FHA?
Some beachfront condos are FHA-approved, particularly in Alamitos Beach and downtown. The complex must be on the FHA-approved list and under the $1,249,125 limit.
More Long Beach Loan Options
Ready to Buy in Long Beach?
From Bixby Knolls to Belmont Shore, I'll help you find your LB dream home.