The typical owner-occupied home in Calpella is worth about $580,800, 21% below the California median of $734,700 and 75% above the national median of $332,700. The median household earns $86,912 a year, so the median home costs 6.7 times the median income (7.4 times for California). 100% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Calpella at a glance
| Calpella | California | U.S. | |
|---|---|---|---|
| Median home value | $580,800 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | $86,912 | $99,122 | $80,734 |
| Homes lived in by their owners | 100% | 56% | 65% |
| Owner homes with a mortgage | 46% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,719 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 32.5% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1961 | 1976 | 1980 |
| Vacant homes | 11.0% | 7.5% | 10.1% |
| Population | 474 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Calpella
At this week's average 30-year rate of 7.11%, buying the median Calpella home of $580,800 with 20% down costs about $3,900 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,868, 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 $167,145 for the 20%-down payment. That payment is 54% of the median Calpella household income of $86,912; at that income and 20% down, the 28% guideline points to a home of about $302,000.
| Down payment | $116,160 |
|---|---|
| Loan amount | $464,640 |
| Principal and interest | $3,126 |
| Property taxes (1.10% a year) | $532 |
| Homeowners insurance (our estimate, 0.5% a year) | $242 |
| PMI | $0 |
| Total per month | $3,900 |
Change the numbers in the calculator
| Down payment | $20,328 |
|---|---|
| Loan amount | $570,280 |
| Principal and interest | $3,836 |
| Property taxes (1.10% a year) | $532 |
| Homeowners insurance (our estimate, 0.5% a year) | $242 |
| FHA mortgage insurance | $257 |
| Total per month | $4,868 |
Change the numbers in the calculator
Questions about home buying in Calpella
What is the median home value in Calpella?
About $580,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Calpella?
For the median home with 20% down at 7.11%, the payment is about $3,900 a month. Keeping that under 28% of gross income takes about $167,145 a year.
More about Calpella
- Mortgage Refinance in Calpella
- Debt Relief in Calpella
- Home Equity Loans in Calpella
- 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