The typical owner-occupied home in Hesperia is worth about $409,000, 44% below the California median of $734,700 and 23% above the national median of $332,700. Owners pay a median $2,522 a year in property taxes, about 0.62% of their home's value, lower than the California rate of 0.70%. The median household earns $72,160 a year, so the median home costs 5.7 times the median income (7.4 times for California). 67% of occupied homes here are lived in by their owners, and 70% of those owners still have a mortgage.
Hesperia at a glance
| Hesperia | California | U.S. | |
|---|---|---|---|
| Median home value | $409,000 | $734,700 | $332,700 |
| Median property tax paid per year | $2,522 | $5,124 | $3,119 |
| Property tax as a share of value | 0.62% | 0.70% | 0.94% |
| Median household income | $72,160 | $99,122 | $80,734 |
| Homes lived in by their owners | 67% | 56% | 65% |
| Owner homes with a mortgage | 70% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,975 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 27.3% | 24.8% | 21.0% |
| Median rent | $1,590 | $2,036 | $1,413 |
| Rent as a share of renters' income | 34.8% | 32.8% | 30.6% |
| Median year homes were built | 1988 | 1976 | 1980 |
| Vacant homes | 3.9% | 7.5% | 10.1% |
| Population | 100,775 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Hesperia
At this week's average 30-year rate of 7.11%, buying the median Hesperia home of $409,000 with 20% down costs about $2,583 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,264, 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 $110,693 for the 20%-down payment. That payment is 43% of the median Hesperia household income of $72,160; at that income and 20% down, the 28% guideline points to a home of about $267,000.
The median rent here is $1,590 a month, so owning the median home costs about $993 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $81,800 |
|---|---|
| Loan amount | $327,200 |
| Principal and interest | $2,201 |
| Property taxes (0.62% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| PMI | $0 |
| Total per month | $2,583 |
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| Down payment | $14,315 |
|---|---|
| Loan amount | $401,592 |
| Principal and interest | $2,702 |
| Property taxes (0.62% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| FHA mortgage insurance | $181 |
| Total per month | $3,264 |
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Questions about home buying in Hesperia
What is the median home value in Hesperia?
About $409,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hesperia?
Homeowners pay a median $2,522 a year, which is about 0.62% 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 Hesperia?
For the median home with 20% down at 7.11%, the payment is about $2,583 a month. Keeping that under 28% of gross income takes about $110,693 a year.
More about Hesperia
- Mortgage Refinance in Hesperia
- Debt Relief in Hesperia
- Home Equity Loans in Hesperia
- 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