The typical owner-occupied home in Santee is worth about $727,200, about the same as the California median of $734,700 and 2.2 times the national median of $332,700. Owners pay a median $4,840 a year in property taxes, about 0.67% of their home's value, close to the California rate of 0.70%. The median household earns $113,394 a year, so the median home costs 6.4 times the median income (7.4 times for California). 72% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Santee at a glance
| Santee | California | U.S. | |
|---|---|---|---|
| Median home value | $727,200 | $734,700 | $332,700 |
| Median property tax paid per year | $4,840 | $5,124 | $3,119 |
| Property tax as a share of value | 0.67% | 0.70% | 0.94% |
| Median household income | $113,394 | $99,122 | $80,734 |
| Homes lived in by their owners | 72% | 56% | 65% |
| Owner homes with a mortgage | 71% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,901 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 24.7% | 24.8% | 21.0% |
| Median rent | $2,250 | $2,036 | $1,413 |
| Rent as a share of renters' income | 40.3% | 32.8% | 30.6% |
| Median year homes were built | 1979 | 1976 | 1980 |
| Vacant homes | 3.0% | 7.5% | 10.1% |
| Population | 59,332 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Santee
At this week's average 30-year rate of 7.11%, buying the median Santee home of $727,200 with 20% down costs about $4,623 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,834, 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 $198,110 for the 20%-down payment. That payment is 49% of the median Santee household income of $113,394; at that income and 20% down, the 28% guideline points to a home of about $416,000.
The median rent here is $2,250 a month, so owning the median home costs about $2,373 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $145,440 |
|---|---|
| Loan amount | $581,760 |
| Principal and interest | $3,914 |
| Property taxes (0.67% a year) | $406 |
| Homeowners insurance (our estimate, 0.5% a year) | $303 |
| PMI | $0 |
| Total per month | $4,623 |
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| Down payment | $25,452 |
|---|---|
| Loan amount | $714,029 |
| Principal and interest | $4,803 |
| Property taxes (0.67% a year) | $406 |
| Homeowners insurance (our estimate, 0.5% a year) | $303 |
| FHA mortgage insurance | $322 |
| Total per month | $5,834 |
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Questions about home buying in Santee
What is the median home value in Santee?
About $727,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Santee?
Homeowners pay a median $4,840 a year, which is about 0.67% 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 Santee?
For the median home with 20% down at 7.11%, the payment is about $4,623 a month. Keeping that under 28% of gross income takes about $198,110 a year.
More about Santee
- Mortgage Refinance in Santee
- Debt Relief in Santee
- Home Equity Loans in Santee
- 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