The typical owner-occupied home in Spreckels is worth about $843,800, 15% above the California median of $734,700 and 2.5 times the national median of $332,700. 76% of occupied homes here are lived in by their owners, and 100% of those owners still have a mortgage.
Spreckels at a glance
| Spreckels | California | U.S. | |
|---|---|---|---|
| Median home value | $843,800 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | – | $99,122 | $80,734 |
| Homes lived in by their owners | 76% | 56% | 65% |
| Owner homes with a mortgage | 100% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,830 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 18.5% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1982 | 1976 | 1980 |
| Vacant homes | 0.0% | 7.5% | 10.1% |
| Population | 174 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Spreckels
At this week's average 30-year rate of 7.11%, buying the median Spreckels home of $843,800 with 20% down costs about $5,666 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,207, 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 $242,833 for the 20%-down payment.
| Down payment | $168,760 |
|---|---|
| Loan amount | $675,040 |
| Principal and interest | $4,541 |
| Property taxes (1.10% a year) | $773 |
| Homeowners insurance (our estimate, 0.5% a year) | $352 |
| PMI | $0 |
| Total per month | $5,666 |
Change the numbers in the calculator
| Down payment | $29,533 |
|---|---|
| Loan amount | $828,517 |
| Principal and interest | $5,573 |
| Property taxes (1.10% a year) | $773 |
| Homeowners insurance (our estimate, 0.5% a year) | $352 |
| FHA mortgage insurance | $509 |
| Total per month | $7,207 |
Change the numbers in the calculator
Questions about home buying in Spreckels
What is the median home value in Spreckels?
About $843,800 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 Spreckels?
For the median home with 20% down at 7.11%, the payment is about $5,666 a month. Keeping that under 28% of gross income takes about $242,833 a year.
More about Spreckels
- Mortgage Refinance in Spreckels
- Debt Relief in Spreckels
- Home Equity Loans in Spreckels
- 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