The typical owner-occupied home in Rio Vista is worth about $489,700, 33% below the California median of $734,700 and 47% above the national median of $332,700. Owners pay a median $4,630 a year in property taxes, about 0.95% of their home's value, higher than the California rate of 0.70%. The median household earns $89,306 a year, so the median home costs 5.5 times the median income (7.4 times for California). 84% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Rio Vista at a glance
| Rio Vista | California | U.S. | |
|---|---|---|---|
| Median home value | $489,700 | $734,700 | $332,700 |
| Median property tax paid per year | $4,630 | $5,124 | $3,119 |
| Property tax as a share of value | 0.95% | 0.70% | 0.94% |
| Median household income | $89,306 | $99,122 | $80,734 |
| Homes lived in by their owners | 84% | 56% | 65% |
| Owner homes with a mortgage | 61% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,259 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 26.5% | 24.8% | 21.0% |
| Median rent | $1,724 | $2,036 | $1,413 |
| Rent as a share of renters' income | 26.8% | 32.8% | 30.6% |
| Median year homes were built | 2002 | 1976 | 1980 |
| Vacant homes | 2.4% | 7.5% | 10.1% |
| Population | 10,102 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Rio Vista
At this week's average 30-year rate of 7.11%, buying the median Rio Vista home of $489,700 with 20% down costs about $3,227 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,043, 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 $138,305 for the 20%-down payment. That payment is 43% of the median Rio Vista household income of $89,306; at that income and 20% down, the 28% guideline points to a home of about $316,000.
The median rent here is $1,724 a month, so owning the median home costs about $1,503 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $97,940 |
|---|---|
| Loan amount | $391,760 |
| Principal and interest | $2,635 |
| Property taxes (0.95% a year) | $388 |
| Homeowners insurance (our estimate, 0.5% a year) | $204 |
| PMI | $0 |
| Total per month | $3,227 |
Change the numbers in the calculator
| Down payment | $17,140 |
|---|---|
| Loan amount | $480,830 |
| Principal and interest | $3,235 |
| Property taxes (0.95% a year) | $388 |
| Homeowners insurance (our estimate, 0.5% a year) | $204 |
| FHA mortgage insurance | $217 |
| Total per month | $4,043 |
Change the numbers in the calculator
Questions about home buying in Rio Vista
What is the median home value in Rio Vista?
About $489,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rio Vista?
Homeowners pay a median $4,630 a year, which is about 0.95% 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 Rio Vista?
For the median home with 20% down at 7.11%, the payment is about $3,227 a month. Keeping that under 28% of gross income takes about $138,305 a year.
More about Rio Vista
- Mortgage Refinance in Rio Vista
- Debt Relief in Rio Vista
- Home Equity Loans in Rio 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