The typical owner-occupied home in San Clemente is worth about $1,398,400, 90% above the California median of $734,700 and 4.2 times the national median of $332,700. Owners pay a median $8,160 a year in property taxes, about 0.58% of their home's value, lower than the California rate of 0.70%. The median household earns $140,062 a year, so the median home costs 10.0 times the median income (7.4 times for California). 66% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
San Clemente at a glance
| San Clemente | California | U.S. | |
|---|---|---|---|
| Median home value | $1,398,400 | $734,700 | $332,700 |
| Median property tax paid per year | $8,160 | $5,124 | $3,119 |
| Property tax as a share of value | 0.58% | 0.70% | 0.94% |
| Median household income | $140,062 | $99,122 | $80,734 |
| Homes lived in by their owners | 66% | 56% | 65% |
| Owner homes with a mortgage | 73% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,976 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 23.6% | 24.8% | 21.0% |
| Median rent | $2,460 | $2,036 | $1,413 |
| Rent as a share of renters' income | 33.6% | 32.8% | 30.6% |
| Median year homes were built | 1983 | 1976 | 1980 |
| Vacant homes | 10.0% | 7.5% | 10.1% |
| Population | 63,273 | 39,287,377 | 334,922,499 |
What a typical home costs per month in San Clemente
At this week's average 30-year rate of 7.11%, buying the median San Clemente home of $1,398,400 with 20% down costs about $8,784 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $11,339, 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 $376,468 for the 20%-down payment. That payment is 75% of the median San Clemente household income of $140,062; at that income and 20% down, the 28% guideline points to a home of about $520,000.
The median rent here is $2,460 a month, so owning the median home costs about $6,324 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $279,680 |
|---|---|
| Loan amount | $1,118,720 |
| Principal and interest | $7,526 |
| Property taxes (0.58% a year) | $676 |
| Homeowners insurance (our estimate, 0.5% a year) | $583 |
| PMI | $0 |
| Total per month | $8,784 |
Change the numbers in the calculator
| Down payment | $48,944 |
|---|---|
| Loan amount | $1,373,071 |
| Principal and interest | $9,237 |
| Property taxes (0.58% a year) | $676 |
| Homeowners insurance (our estimate, 0.5% a year) | $583 |
| FHA mortgage insurance | $843 |
| Total per month | $11,339 |
Change the numbers in the calculator
Questions about home buying in San Clemente
What is the median home value in San Clemente?
About $1,398,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Clemente?
Homeowners pay a median $8,160 a year, which is about 0.58% 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 Clemente?
For the median home with 20% down at 7.11%, the payment is about $8,784 a month. Keeping that under 28% of gross income takes about $376,468 a year.
More about San Clemente
- Mortgage Refinance in San Clemente
- Debt Relief in San Clemente
- Home Equity Loans in San Clemente
- 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