The typical owner-occupied home in Los Olivos is worth about $1,522,700, 2.1 times the California median of $734,700 and 4.6 times the national median of $332,700. Owners pay a median $6,583 a year in property taxes, about 0.43% of their home's value, lower than the California rate of 0.70%. The median household earns $143,229 a year, so the median home costs 10.6 times the median income (7.4 times for California). 88% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Los Olivos at a glance
| Los Olivos | California | U.S. | |
|---|---|---|---|
| Median home value | $1,522,700 | $734,700 | $332,700 |
| Median property tax paid per year | $6,583 | $5,124 | $3,119 |
| Property tax as a share of value | 0.43% | 0.70% | 0.94% |
| Median household income | $143,229 | $99,122 | $80,734 |
| Homes lived in by their owners | 88% | 56% | 65% |
| Owner homes with a mortgage | 61% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,935 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 34.7% | 24.8% | 21.0% |
| Median rent | $2,194 | $2,036 | $1,413 |
| Rent as a share of renters' income | 50.0% | 32.8% | 30.6% |
| Median year homes were built | 1976 | 1976 | 1980 |
| Vacant homes | 6.1% | 7.5% | 10.1% |
| Population | 1,038 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Los Olivos
At this week's average 30-year rate of 7.11%, buying the median Los Olivos home of $1,522,700 with 20% down costs about $9,375 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $12,156, 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 $401,774 for the 20%-down payment. That payment is 79% of the median Los Olivos household income of $143,229; at that income and 20% down, the 28% guideline points to a home of about $543,000.
The median rent here is $2,194 a month, so owning the median home costs about $7,181 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $304,540 |
|---|---|
| Loan amount | $1,218,160 |
| Principal and interest | $8,195 |
| Property taxes (0.43% a year) | $546 |
| Homeowners insurance (our estimate, 0.5% a year) | $634 |
| PMI | $0 |
| Total per month | $9,375 |
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| Down payment | $53,294 |
|---|---|
| Loan amount | $1,495,120 |
| Principal and interest | $10,058 |
| Property taxes (0.43% a year) | $546 |
| Homeowners insurance (our estimate, 0.5% a year) | $634 |
| FHA mortgage insurance | $918 |
| Total per month | $12,156 |
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Questions about home buying in Los Olivos
What is the median home value in Los Olivos?
About $1,522,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Los Olivos?
Homeowners pay a median $6,583 a year, which is about 0.43% 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 Los Olivos?
For the median home with 20% down at 7.11%, the payment is about $9,375 a month. Keeping that under 28% of gross income takes about $401,774 a year.
More about Los Olivos
- Mortgage Refinance in Los Olivos
- Debt Relief in Los Olivos
- Home Equity Loans in Los Olivos
- 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