The typical owner-occupied home in Cazadero is worth about $520,000, 29% below the California median of $734,700 and 56% above the national median of $332,700. The median household earns $96,806 a year, so the median home costs 5.4 times the median income (7.4 times for California). 70% of occupied homes here are lived in by their owners, and 84% of those owners still have a mortgage.
Cazadero at a glance
| Cazadero | California | U.S. | |
|---|---|---|---|
| Median home value | $520,000 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | $96,806 | $99,122 | $80,734 |
| Homes lived in by their owners | 70% | 56% | 65% |
| Owner homes with a mortgage | 84% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,192 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 28.8% | 24.8% | 21.0% |
| Median rent | $1,795 | $2,036 | $1,413 |
| Rent as a share of renters' income | 23.9% | 32.8% | 30.6% |
| Median year homes were built | 1960 | 1976 | 1980 |
| Vacant homes | 27.2% | 7.5% | 10.1% |
| Population | 483 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Cazadero
At this week's average 30-year rate of 7.11%, buying the median Cazadero home of $520,000 with 20% down costs about $3,492 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,358, 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 $149,648 for the 20%-down payment. That payment is 43% of the median Cazadero household income of $96,806; at that income and 20% down, the 28% guideline points to a home of about $336,000.
The median rent here is $1,795 a month, so owning the median home costs about $1,697 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $104,000 |
|---|---|
| Loan amount | $416,000 |
| Principal and interest | $2,798 |
| Property taxes (1.10% a year) | $477 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| PMI | $0 |
| Total per month | $3,492 |
Change the numbers in the calculator
| Down payment | $18,200 |
|---|---|
| Loan amount | $510,582 |
| Principal and interest | $3,435 |
| Property taxes (1.10% a year) | $477 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| FHA mortgage insurance | $230 |
| Total per month | $4,358 |
Change the numbers in the calculator
Questions about home buying in Cazadero
What is the median home value in Cazadero?
About $520,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Cazadero?
For the median home with 20% down at 7.11%, the payment is about $3,492 a month. Keeping that under 28% of gross income takes about $149,648 a year.
More about Cazadero
- Mortgage Refinance in Cazadero
- Debt Relief in Cazadero
- Home Equity Loans in Cazadero
- 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