The typical owner-occupied home in Garberville is worth about $387,300, 47% below the California median of $734,700 and 16% above the national median of $332,700. Owners pay a median $2,481 a year in property taxes, about 0.64% of their home's value, lower than the California rate of 0.70%. The median household earns $39,542 a year, so the median home costs 9.8 times the median income (7.4 times for California). 54% of occupied homes here are lived in by their owners, and 15% of those owners still have a mortgage.
Garberville at a glance
| Garberville | California | U.S. | |
|---|---|---|---|
| Median home value | $387,300 | $734,700 | $332,700 |
| Median property tax paid per year | $2,481 | $5,124 | $3,119 |
| Property tax as a share of value | 0.64% | 0.70% | 0.94% |
| Median household income | $39,542 | $99,122 | $80,734 |
| Homes lived in by their owners | 54% | 56% | 65% |
| Owner homes with a mortgage | 15% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,603 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 51.0% | 24.8% | 21.0% |
| Median rent | $1,293 | $2,036 | $1,413 |
| Rent as a share of renters' income | 38.2% | 32.8% | 30.6% |
| Median year homes were built | 1973 | 1976 | 1980 |
| Vacant homes | 6.7% | 7.5% | 10.1% |
| Population | 1,415 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Garberville
At this week's average 30-year rate of 7.11%, buying the median Garberville home of $387,300 with 20% down costs about $2,452 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,097, 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 $105,096 for the 20%-down payment. That payment is 74% of the median Garberville household income of $39,542; at that income and 20% down, the 28% guideline points to a home of about $146,000.
The median rent here is $1,293 a month, so owning the median home costs about $1,159 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $77,460 |
|---|---|
| Loan amount | $309,840 |
| Principal and interest | $2,084 |
| Property taxes (0.64% a year) | $207 |
| Homeowners insurance (our estimate, 0.5% a year) | $161 |
| PMI | $0 |
| Total per month | $2,452 |
Change the numbers in the calculator
| Down payment | $13,556 |
|---|---|
| Loan amount | $380,285 |
| Principal and interest | $2,558 |
| Property taxes (0.64% a year) | $207 |
| Homeowners insurance (our estimate, 0.5% a year) | $161 |
| FHA mortgage insurance | $171 |
| Total per month | $3,097 |
Change the numbers in the calculator
Questions about home buying in Garberville
What is the median home value in Garberville?
About $387,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Garberville?
Homeowners pay a median $2,481 a year, which is about 0.64% 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 Garberville?
For the median home with 20% down at 7.11%, the payment is about $2,452 a month. Keeping that under 28% of gross income takes about $105,096 a year.
More about Garberville
- Mortgage Refinance in Garberville
- Debt Relief in Garberville
- Home Equity Loans in Garberville
- 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