The typical owner-occupied home in Cayucos is worth about $1,011,900, 38% above the California median of $734,700 and 3.0 times the national median of $332,700. Owners pay a median $5,896 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 $87,235 a year, so the median home costs 11.6 times the median income (7.4 times for California). 60% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Cayucos at a glance
| Cayucos | California | U.S. | |
|---|---|---|---|
| Median home value | $1,011,900 | $734,700 | $332,700 |
| Median property tax paid per year | $5,896 | $5,124 | $3,119 |
| Property tax as a share of value | 0.58% | 0.70% | 0.94% |
| Median household income | $87,235 | $99,122 | $80,734 |
| Homes lived in by their owners | 60% | 56% | 65% |
| Owner homes with a mortgage | 52% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,613 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 26.4% | 24.8% | 21.0% |
| Median rent | $1,571 | $2,036 | $1,413 |
| Rent as a share of renters' income | 30.5% | 32.8% | 30.6% |
| Median year homes were built | 1973 | 1976 | 1980 |
| Vacant homes | 46.4% | 7.5% | 10.1% |
| Population | 2,427 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Cayucos
At this week's average 30-year rate of 7.11%, buying the median Cayucos home of $1,011,900 with 20% down costs about $6,356 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,205, 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 $272,417 for the 20%-down payment. That payment is 87% of the median Cayucos household income of $87,235; at that income and 20% down, the 28% guideline points to a home of about $324,000.
The median rent here is $1,571 a month, so owning the median home costs about $4,785 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $202,380 |
|---|---|
| Loan amount | $809,520 |
| Principal and interest | $5,446 |
| Property taxes (0.58% a year) | $489 |
| Homeowners insurance (our estimate, 0.5% a year) | $422 |
| PMI | $0 |
| Total per month | $6,356 |
Change the numbers in the calculator
| Down payment | $35,416 |
|---|---|
| Loan amount | $993,572 |
| Principal and interest | $6,684 |
| Property taxes (0.58% a year) | $489 |
| Homeowners insurance (our estimate, 0.5% a year) | $422 |
| FHA mortgage insurance | $610 |
| Total per month | $8,205 |
Change the numbers in the calculator
Questions about home buying in Cayucos
What is the median home value in Cayucos?
About $1,011,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cayucos?
Homeowners pay a median $5,896 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 Cayucos?
For the median home with 20% down at 7.11%, the payment is about $6,356 a month. Keeping that under 28% of gross income takes about $272,417 a year.
More about Cayucos
- Mortgage Refinance in Cayucos
- Debt Relief in Cayucos
- Home Equity Loans in Cayucos
- 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