The typical owner-occupied home in Stinson Beach is worth about $1,493,400, 2.0 times the California median of $734,700 and 4.5 times the national median of $332,700. Owners pay a median $7,917 a year in property taxes, about 0.53% of their home's value, lower than the California rate of 0.70%. The median household earns $132,857 a year, so the median home costs 11.2 times the median income (7.4 times for California). 96% of occupied homes here are lived in by their owners, and 51% of those owners still have a mortgage.
Stinson Beach at a glance
| Stinson Beach | California | U.S. | |
|---|---|---|---|
| Median home value | $1,493,400 | $734,700 | $332,700 |
| Median property tax paid per year | $7,917 | $5,124 | $3,119 |
| Property tax as a share of value | 0.53% | 0.70% | 0.94% |
| Median household income | $132,857 | $99,122 | $80,734 |
| Homes lived in by their owners | 96% | 56% | 65% |
| Owner homes with a mortgage | 51% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,490 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 22.2% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1979 | 1976 | 1980 |
| Vacant homes | 78.9% | 7.5% | 10.1% |
| Population | 255 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Stinson Beach
At this week's average 30-year rate of 7.11%, buying the median Stinson Beach home of $1,493,400 with 20% down costs about $9,319 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $12,047, 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 $399,377 for the 20%-down payment. That payment is 84% of the median Stinson Beach household income of $132,857; at that income and 20% down, the 28% guideline points to a home of about $497,000.
| Down payment | $298,680 |
|---|---|
| Loan amount | $1,194,720 |
| Principal and interest | $8,037 |
| Property taxes (0.53% a year) | $660 |
| Homeowners insurance (our estimate, 0.5% a year) | $622 |
| PMI | $0 |
| Total per month | $9,319 |
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| Down payment | $52,269 |
|---|---|
| Loan amount | $1,466,351 |
| Principal and interest | $9,864 |
| Property taxes (0.53% a year) | $660 |
| Homeowners insurance (our estimate, 0.5% a year) | $622 |
| FHA mortgage insurance | $901 |
| Total per month | $12,047 |
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Questions about home buying in Stinson Beach
What is the median home value in Stinson Beach?
About $1,493,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Stinson Beach?
Homeowners pay a median $7,917 a year, which is about 0.53% 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 Stinson Beach?
For the median home with 20% down at 7.11%, the payment is about $9,319 a month. Keeping that under 28% of gross income takes about $399,377 a year.
More about Stinson Beach
- Mortgage Refinance in Stinson Beach
- Debt Relief in Stinson Beach
- Home Equity Loans in Stinson Beach
- 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