The typical owner-occupied home in San Ardo is worth about $445,900, 39% below the California median of $734,700 and 34% above the national median of $332,700. Owners pay a median $3,395 a year in property taxes, about 0.76% of their home's value, higher than the California rate of 0.70%. 48% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
San Ardo at a glance
| San Ardo | California | U.S. | |
|---|---|---|---|
| Median home value | $445,900 | $734,700 | $332,700 |
| Median property tax paid per year | $3,395 | $5,124 | $3,119 |
| Property tax as a share of value | 0.76% | 0.70% | 0.94% |
| Median household income | – | $99,122 | $80,734 |
| Homes lived in by their owners | 48% | 56% | 65% |
| Owner homes with a mortgage | 12% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,946 | $1,963 |
| Median rent | $1,225 | $2,036 | $1,413 |
| Rent as a share of renters' income | 51.0% | 32.8% | 30.6% |
| Median year homes were built | 1963 | 1976 | 1980 |
| Vacant homes | 6.0% | 7.5% | 10.1% |
| Population | 462 | 39,287,377 | 334,922,499 |
What a typical home costs per month in San Ardo
At this week's average 30-year rate of 7.11%, buying the median San Ardo home of $445,900 with 20% down costs about $2,868 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,611, 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 $122,909 for the 20%-down payment.
The median rent here is $1,225 a month, so owning the median home costs about $1,643 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $89,180 |
|---|---|
| Loan amount | $356,720 |
| Principal and interest | $2,400 |
| Property taxes (0.76% a year) | $282 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| PMI | $0 |
| Total per month | $2,868 |
Change the numbers in the calculator
| Down payment | $15,606 |
|---|---|
| Loan amount | $437,824 |
| Principal and interest | $2,945 |
| Property taxes (0.76% a year) | $282 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| FHA mortgage insurance | $197 |
| Total per month | $3,611 |
Change the numbers in the calculator
Questions about home buying in San Ardo
What is the median home value in San Ardo?
About $445,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Ardo?
Homeowners pay a median $3,395 a year, which is about 0.76% 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 San Ardo?
For the median home with 20% down at 7.11%, the payment is about $2,868 a month. Keeping that under 28% of gross income takes about $122,909 a year.
More about San Ardo
- Mortgage Refinance in San Ardo
- Debt Relief in San Ardo
- Home Equity Loans in San Ardo
- 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