The typical owner-occupied home in San Lucas is worth about $335,000, 54% below the California median of $734,700 and about the same as the national median of $332,700. The median household earns $56,094 a year, so the median home costs 6.0 times the median income (7.4 times for California). 49% of occupied homes here are lived in by their owners, and 100% of those owners still have a mortgage.
San Lucas at a glance
| San Lucas | California | U.S. | |
|---|---|---|---|
| Median home value | $335,000 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | $56,094 | $99,122 | $80,734 |
| Homes lived in by their owners | 49% | 56% | 65% |
| Owner homes with a mortgage | 100% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 17.8% | 24.8% | 21.0% |
| Median rent | $1,679 | $2,036 | $1,413 |
| Rent as a share of renters' income | 45.0% | 32.8% | 30.6% |
| Median year homes were built | 1975 | 1976 | 1980 |
| Vacant homes | 35.2% | 7.5% | 10.1% |
| Population | 134 | 39,287,377 | 334,922,499 |
What a typical home costs per month in San Lucas
At this week's average 30-year rate of 7.11%, buying the median San Lucas home of $335,000 with 20% down costs about $2,250 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,808, 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 $96,408 for the 20%-down payment. That payment is 48% of the median San Lucas household income of $56,094; at that income and 20% down, the 28% guideline points to a home of about $195,000.
The median rent here is $1,679 a month, so owning the median home costs about $571 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $67,000 |
|---|---|
| Loan amount | $268,000 |
| Principal and interest | $1,803 |
| Property taxes (1.10% a year) | $307 |
| Homeowners insurance (our estimate, 0.5% a year) | $140 |
| PMI | $0 |
| Total per month | $2,250 |
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| Down payment | $11,725 |
|---|---|
| Loan amount | $328,932 |
| Principal and interest | $2,213 |
| Property taxes (1.10% a year) | $307 |
| Homeowners insurance (our estimate, 0.5% a year) | $140 |
| FHA mortgage insurance | $148 |
| Total per month | $2,808 |
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Questions about home buying in San Lucas
What is the median home value in San Lucas?
About $335,000 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 San Lucas?
For the median home with 20% down at 7.11%, the payment is about $2,250 a month. Keeping that under 28% of gross income takes about $96,408 a year.
More about San Lucas
- Mortgage Refinance in San Lucas
- Debt Relief in San Lucas
- Home Equity Loans in San Lucas
- 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