The typical owner-occupied home in Pescadero is worth about $1,958,300, 2.7 times the California median of $734,700 and 5.9 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 0.51% of their home's value, lower than the California rate of 0.70%. The median household earns $250,001 a year, so the median home costs 7.8 times the median income (7.4 times for California). 68% of occupied homes here are lived in by their owners, and 41% of those owners still have a mortgage.
Pescadero at a glance
| Pescadero | California | U.S. | |
|---|---|---|---|
| Median home value | $1,958,300 | $734,700 | $332,700 |
| Median property tax paid per year | $10,001 | $5,124 | $3,119 |
| Property tax as a share of value | 0.51% | 0.70% | 0.94% |
| Median household income | $250,001 | $99,122 | $80,734 |
| Homes lived in by their owners | 68% | 56% | 65% |
| Owner homes with a mortgage | 41% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 26.2% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1993 | 1976 | 1980 |
| Vacant homes | 0.0% | 7.5% | 10.1% |
| Population | 691 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Pescadero
At this week's average 30-year rate of 7.11%, buying the median Pescadero home of $1,958,300 with 20% down costs about $12,187 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $15,764, 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 $522,306 for the 20%-down payment. That payment is 58% of the median Pescadero household income of $250,001; at that income and 20% down, the 28% guideline points to a home of about $937,000.
| Down payment | $391,660 |
|---|---|
| Loan amount | $1,566,640 |
| Principal and interest | $10,539 |
| Property taxes (0.51% a year) | $832 |
| Homeowners insurance (our estimate, 0.5% a year) | $816 |
| PMI | $0 |
| Total per month | $12,187 |
Change the numbers in the calculator
| Down payment | $68,540 |
|---|---|
| Loan amount | $1,922,830 |
| Principal and interest | $12,935 |
| Property taxes (0.51% a year) | $832 |
| Homeowners insurance (our estimate, 0.5% a year) | $816 |
| FHA mortgage insurance | $1,181 |
| Total per month | $15,764 |
Change the numbers in the calculator
Questions about home buying in Pescadero
What is the median home value in Pescadero?
About $1,958,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pescadero?
Homeowners pay a median $10,001 a year, which is about 0.51% 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 Pescadero?
For the median home with 20% down at 7.11%, the payment is about $12,187 a month. Keeping that under 28% of gross income takes about $522,306 a year.
More about Pescadero
- Mortgage Refinance in Pescadero
- Debt Relief in Pescadero
- Home Equity Loans in Pescadero
- 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