The typical owner-occupied home in Mountain Center is worth about $446,200, 39% below the California median of $734,700 and 34% above the national median of $332,700. The median household earns $46,875 a year, so the median home costs 9.5 times the median income (7.4 times for California). 62% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Mountain Center at a glance
| Mountain Center | California | U.S. | |
|---|---|---|---|
| Median home value | $446,200 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | $46,875 | $99,122 | $80,734 |
| Homes lived in by their owners | 62% | 56% | 65% |
| Owner homes with a mortgage | 0% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,946 | $1,963 |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1948 | 1976 | 1980 |
| Vacant homes | 0.0% | 7.5% | 10.1% |
| Population | 45 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Mountain Center
At this week's average 30-year rate of 7.11%, buying the median Mountain Center home of $446,200 with 20% down costs about $2,996 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,740, 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 $128,409 for the 20%-down payment. That payment is 77% of the median Mountain Center household income of $46,875; at that income and 20% down, the 28% guideline points to a home of about $163,000.
| Down payment | $89,240 |
|---|---|
| Loan amount | $356,960 |
| Principal and interest | $2,401 |
| Property taxes (1.10% a year) | $409 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| PMI | $0 |
| Total per month | $2,996 |
Change the numbers in the calculator
| Down payment | $15,617 |
|---|---|
| Loan amount | $438,118 |
| Principal and interest | $2,947 |
| Property taxes (1.10% a year) | $409 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| FHA mortgage insurance | $197 |
| Total per month | $3,740 |
Change the numbers in the calculator
Questions about home buying in Mountain Center
What is the median home value in Mountain Center?
About $446,200 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 Mountain Center?
For the median home with 20% down at 7.11%, the payment is about $2,996 a month. Keeping that under 28% of gross income takes about $128,409 a year.
More about Mountain Center
- Mortgage Refinance in Mountain Center
- Debt Relief in Mountain Center
- Home Equity Loans in Mountain Center
- 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