The typical owner-occupied home in Vista is worth about $762,400, 4% above the California median of $734,700 and 2.3 times the national median of $332,700. Owners pay a median $4,929 a year in property taxes, about 0.65% of their home's value, lower than the California rate of 0.70%. The median household earns $94,975 a year, so the median home costs 8.0 times the median income (7.4 times for California). 52% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Vista at a glance
| Vista | California | U.S. | |
|---|---|---|---|
| Median home value | $762,400 | $734,700 | $332,700 |
| Median property tax paid per year | $4,929 | $5,124 | $3,119 |
| Property tax as a share of value | 0.65% | 0.70% | 0.94% |
| Median household income | $94,975 | $99,122 | $80,734 |
| Homes lived in by their owners | 52% | 56% | 65% |
| Owner homes with a mortgage | 71% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,865 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 24.0% | 24.8% | 21.0% |
| Median rent | $2,249 | $2,036 | $1,413 |
| Rent as a share of renters' income | 34.1% | 32.8% | 30.6% |
| Median year homes were built | 1985 | 1976 | 1980 |
| Vacant homes | 3.6% | 7.5% | 10.1% |
| Population | 99,114 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Vista
At this week's average 30-year rate of 7.11%, buying the median Vista home of $762,400 with 20% down costs about $4,834 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $6,226, 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 $207,154 for the 20%-down payment. That payment is 61% of the median Vista household income of $94,975; at that income and 20% down, the 28% guideline points to a home of about $350,000.
The median rent here is $2,249 a month, so owning the median home costs about $2,585 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $152,480 |
|---|---|
| Loan amount | $609,920 |
| Principal and interest | $4,103 |
| Property taxes (0.65% a year) | $413 |
| Homeowners insurance (our estimate, 0.5% a year) | $318 |
| PMI | $0 |
| Total per month | $4,834 |
Change the numbers in the calculator
| Down payment | $26,684 |
|---|---|
| Loan amount | $748,591 |
| Principal and interest | $5,036 |
| Property taxes (0.65% a year) | $413 |
| Homeowners insurance (our estimate, 0.5% a year) | $318 |
| FHA mortgage insurance | $460 |
| Total per month | $6,226 |
Change the numbers in the calculator
Questions about home buying in Vista
What is the median home value in Vista?
About $762,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Vista?
Homeowners pay a median $4,929 a year, which is about 0.65% 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 Vista?
For the median home with 20% down at 7.11%, the payment is about $4,834 a month. Keeping that under 28% of gross income takes about $207,154 a year.
More about Vista
- Mortgage Refinance in Vista
- Debt Relief in Vista
- Home Equity Loans in Vista
- 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