The typical owner-occupied home in Mountain Ranch is worth about $464,100, 37% below the California median of $734,700 and 39% above the national median of $332,700. Owners pay a median $1,345 a year in property taxes, about 0.29% of their home's value, lower than the California rate of 0.70%. The median household earns $163,120 a year, so the median home costs 2.8 times the median income (7.4 times for California). 92% of occupied homes here are lived in by their owners, and 96% of those owners still have a mortgage.
Mountain Ranch at a glance
| Mountain Ranch | California | U.S. | |
|---|---|---|---|
| Median home value | $464,100 | $734,700 | $332,700 |
| Median property tax paid per year | $1,345 | $5,124 | $3,119 |
| Property tax as a share of value | 0.29% | 0.70% | 0.94% |
| Median household income | $163,120 | $99,122 | $80,734 |
| Homes lived in by their owners | 92% | 56% | 65% |
| Owner homes with a mortgage | 96% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,166 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 2002 | 1976 | 1980 |
| Vacant homes | 17.6% | 7.5% | 10.1% |
| Population | 324 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Mountain Ranch
At this week's average 30-year rate of 7.11%, buying the median Mountain Ranch home of $464,100 with 20% down costs about $2,803 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,576, 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 $120,135 for the 20%-down payment. That payment is 21% of the median Mountain Ranch household income of $163,120; at that income and 20% down, the 28% guideline points to a home of about $630,000.
| Down payment | $92,820 |
|---|---|
| Loan amount | $371,280 |
| Principal and interest | $2,498 |
| Property taxes (0.29% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $193 |
| PMI | $0 |
| Total per month | $2,803 |
Change the numbers in the calculator
| Down payment | $16,244 |
|---|---|
| Loan amount | $455,694 |
| Principal and interest | $3,065 |
| Property taxes (0.29% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $193 |
| FHA mortgage insurance | $205 |
| Total per month | $3,576 |
Change the numbers in the calculator
Questions about home buying in Mountain Ranch
What is the median home value in Mountain Ranch?
About $464,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mountain Ranch?
Homeowners pay a median $1,345 a year, which is about 0.29% 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 Mountain Ranch?
For the median home with 20% down at 7.11%, the payment is about $2,803 a month. Keeping that under 28% of gross income takes about $120,135 a year.
More about Mountain Ranch
- Mortgage Refinance in Mountain Ranch
- Debt Relief in Mountain Ranch
- Home Equity Loans in Mountain Ranch
- 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