The typical owner-occupied home in San Ramon is worth about $1,509,500, 2.1 times the California median of $734,700 and 4.5 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 0.66% of their home's value, lower than the California rate of 0.70%. The median household earns $196,161 a year, so the median home costs 7.7 times the median income (7.4 times for California). 71% of occupied homes here are lived in by their owners, and 76% of those owners still have a mortgage.
San Ramon at a glance
| San Ramon | California | U.S. | |
|---|---|---|---|
| Median home value | $1,509,500 | $734,700 | $332,700 |
| Median property tax paid per year | $10,001 | $5,124 | $3,119 |
| Property tax as a share of value | 0.66% | 0.70% | 0.94% |
| Median household income | $196,161 | $99,122 | $80,734 |
| Homes lived in by their owners | 71% | 56% | 65% |
| Owner homes with a mortgage | 76% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 23.1% | 24.8% | 21.0% |
| Median rent | $2,968 | $2,036 | $1,413 |
| Rent as a share of renters' income | 29.7% | 32.8% | 30.6% |
| Median year homes were built | 1994 | 1976 | 1980 |
| Vacant homes | 2.1% | 7.5% | 10.1% |
| Population | 85,993 | 39,287,377 | 334,922,499 |
What a typical home costs per month in San Ramon
At this week's average 30-year rate of 7.11%, buying the median San Ramon home of $1,509,500 with 20% down costs about $9,583 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $12,340, 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 $410,691 for the 20%-down payment. That payment is 59% of the median San Ramon household income of $196,161; at that income and 20% down, the 28% guideline points to a home of about $721,000.
The median rent here is $2,968 a month, so owning the median home costs about $6,615 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $301,900 |
|---|---|
| Loan amount | $1,207,600 |
| Principal and interest | $8,124 |
| Property taxes (0.66% a year) | $830 |
| Homeowners insurance (our estimate, 0.5% a year) | $629 |
| PMI | $0 |
| Total per month | $9,583 |
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| Down payment | $52,832 |
|---|---|
| Loan amount | $1,482,159 |
| Principal and interest | $9,971 |
| Property taxes (0.66% a year) | $830 |
| Homeowners insurance (our estimate, 0.5% a year) | $629 |
| FHA mortgage insurance | $910 |
| Total per month | $12,340 |
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Questions about home buying in San Ramon
What is the median home value in San Ramon?
About $1,509,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Ramon?
Homeowners pay a median $10,001 a year, which is about 0.66% 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 San Ramon?
For the median home with 20% down at 7.11%, the payment is about $9,583 a month. Keeping that under 28% of gross income takes about $410,691 a year.
More about San Ramon
- Mortgage Refinance in San Ramon
- Debt Relief in San Ramon
- Home Equity Loans in San Ramon
- 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