The typical owner-occupied home in Woody is worth about $284,100, 61% below the California median of $734,700 and 15% below the national median of $332,700. Owners pay a median $3,304 a year in property taxes, about 1.16% of their home's value, higher than the California rate of 0.70%. The median household earns $93,750 a year, so the median home costs 3.0 times the median income (7.4 times for California). 95% of occupied homes here are lived in by their owners, and 70% of those owners still have a mortgage.
Woody at a glance
| Woody | California | U.S. | |
|---|---|---|---|
| Median home value | $284,100 | $734,700 | $332,700 |
| Median property tax paid per year | $3,304 | $5,124 | $3,119 |
| Property tax as a share of value | 1.16% | 0.70% | 0.94% |
| Median household income | $93,750 | $99,122 | $80,734 |
| Homes lived in by their owners | 95% | 56% | 65% |
| Owner homes with a mortgage | 70% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,206 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1977 | 1976 | 1980 |
| Vacant homes | 41.8% | 7.5% | 10.1% |
| Population | 74 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Woody
At this week's average 30-year rate of 7.11%, buying the median Woody home of $284,100 with 20% down costs about $1,922 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,395, 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 $82,369 for the 20%-down payment. That payment is 25% of the median Woody household income of $93,750; at that income and 20% down, the 28% guideline points to a home of about $323,000.
| Down payment | $56,820 |
|---|---|
| Loan amount | $227,280 |
| Principal and interest | $1,529 |
| Property taxes (1.16% a year) | $275 |
| Homeowners insurance (our estimate, 0.5% a year) | $118 |
| PMI | $0 |
| Total per month | $1,922 |
Change the numbers in the calculator
| Down payment | $9,944 |
|---|---|
| Loan amount | $278,954 |
| Principal and interest | $1,877 |
| Property taxes (1.16% a year) | $275 |
| Homeowners insurance (our estimate, 0.5% a year) | $118 |
| FHA mortgage insurance | $126 |
| Total per month | $2,395 |
Change the numbers in the calculator
Questions about home buying in Woody
What is the median home value in Woody?
About $284,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Woody?
Homeowners pay a median $3,304 a year, which is about 1.16% 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 Woody?
For the median home with 20% down at 7.11%, the payment is about $1,922 a month. Keeping that under 28% of gross income takes about $82,369 a year.
More about Woody
- Mortgage Refinance in Woody
- Debt Relief in Woody
- Home Equity Loans in Woody
- 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