The typical owner-occupied home in Bethel Island is worth about $682,700, 7% below the California median of $734,700 and 2.1 times the national median of $332,700. Owners pay a median $6,000 a year in property taxes, about 0.88% of their home's value, higher than the California rate of 0.70%. The median household earns $74,972 a year, so the median home costs 9.1 times the median income (7.4 times for California). 64% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Bethel Island at a glance
| Bethel Island | California | U.S. | |
|---|---|---|---|
| Median home value | $682,700 | $734,700 | $332,700 |
| Median property tax paid per year | $6,000 | $5,124 | $3,119 |
| Property tax as a share of value | 0.88% | 0.70% | 0.94% |
| Median household income | $74,972 | $99,122 | $80,734 |
| Homes lived in by their owners | 64% | 56% | 65% |
| Owner homes with a mortgage | 25% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,090 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 41.3% | 24.8% | 21.0% |
| Median rent | $1,606 | $2,036 | $1,413 |
| Rent as a share of renters' income | 51.0% | 32.8% | 30.6% |
| Median year homes were built | 1973 | 1976 | 1980 |
| Vacant homes | 16.9% | 7.5% | 10.1% |
| Population | 1,864 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Bethel Island
At this week's average 30-year rate of 7.11%, buying the median Bethel Island home of $682,700 with 20% down costs about $4,459 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,596, 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 $191,107 for the 20%-down payment. That payment is 71% of the median Bethel Island household income of $74,972; at that income and 20% down, the 28% guideline points to a home of about $268,000.
The median rent here is $1,606 a month, so owning the median home costs about $2,853 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $136,540 |
|---|---|
| Loan amount | $546,160 |
| Principal and interest | $3,674 |
| Property taxes (0.88% a year) | $501 |
| Homeowners insurance (our estimate, 0.5% a year) | $284 |
| PMI | $0 |
| Total per month | $4,459 |
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| Down payment | $23,894 |
|---|---|
| Loan amount | $670,335 |
| Principal and interest | $4,509 |
| Property taxes (0.88% a year) | $501 |
| Homeowners insurance (our estimate, 0.5% a year) | $284 |
| FHA mortgage insurance | $302 |
| Total per month | $5,596 |
Change the numbers in the calculator
Questions about home buying in Bethel Island
What is the median home value in Bethel Island?
About $682,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bethel Island?
Homeowners pay a median $6,000 a year, which is about 0.88% 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 Bethel Island?
For the median home with 20% down at 7.11%, the payment is about $4,459 a month. Keeping that under 28% of gross income takes about $191,107 a year.
More about Bethel Island
- Mortgage Refinance in Bethel Island
- Debt Relief in Bethel Island
- Home Equity Loans in Bethel Island
- 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