The typical owner-occupied home in Point Reyes Station is worth about $1,603,200, 2.2 times the California median of $734,700 and 4.8 times the national median of $332,700. Owners pay a median $3,130 a year in property taxes, about 0.20% of their home's value, lower than the California rate of 0.70%. The median household earns $112,813 a year, so the median home costs 14.2 times the median income (7.4 times for California). 67% of occupied homes here are lived in by their owners, and 41% of those owners still have a mortgage.
Point Reyes Station at a glance
| Point Reyes Station | California | U.S. | |
|---|---|---|---|
| Median home value | $1,603,200 | $734,700 | $332,700 |
| Median property tax paid per year | $3,130 | $5,124 | $3,119 |
| Property tax as a share of value | 0.20% | 0.70% | 0.94% |
| Median household income | $112,813 | $99,122 | $80,734 |
| Homes lived in by their owners | 67% | 56% | 65% |
| Owner homes with a mortgage | 41% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,056 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 15.6% | 24.8% | 21.0% |
| Median rent | $1,898 | $2,036 | $1,413 |
| Rent as a share of renters' income | 38.3% | 32.8% | 30.6% |
| Median year homes were built | 1984 | 1976 | 1980 |
| Vacant homes | 28.7% | 7.5% | 10.1% |
| Population | 517 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Point Reyes Station
At this week's average 30-year rate of 7.11%, buying the median Point Reyes Station home of $1,603,200 with 20% down costs about $9,563 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $12,492, 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 $409,845 for the 20%-down payment. That payment is 102% of the median Point Reyes Station household income of $112,813; at that income and 20% down, the 28% guideline points to a home of about $441,000.
The median rent here is $1,898 a month, so owning the median home costs about $7,665 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $320,640 |
|---|---|
| Loan amount | $1,282,560 |
| Principal and interest | $8,628 |
| Property taxes (0.20% a year) | $267 |
| Homeowners insurance (our estimate, 0.5% a year) | $668 |
| PMI | $0 |
| Total per month | $9,563 |
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| Down payment | $56,112 |
|---|---|
| Loan amount | $1,574,162 |
| Principal and interest | $10,589 |
| Property taxes (0.20% a year) | $267 |
| Homeowners insurance (our estimate, 0.5% a year) | $668 |
| FHA mortgage insurance | $967 |
| Total per month | $12,492 |
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Questions about home buying in Point Reyes Station
What is the median home value in Point Reyes Station?
About $1,603,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Point Reyes Station?
Homeowners pay a median $3,130 a year, which is about 0.20% 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 Point Reyes Station?
For the median home with 20% down at 7.11%, the payment is about $9,563 a month. Keeping that under 28% of gross income takes about $409,845 a year.
More about Point Reyes Station
- Mortgage Refinance in Point Reyes Station
- Debt Relief in Point Reyes Station
- Home Equity Loans in Point Reyes Station
- 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