The typical owner-occupied home in Camarillo is worth about $827,300, 13% above the California median of $734,700 and 2.5 times the national median of $332,700. Owners pay a median $5,399 a year in property taxes, about 0.65% of their home's value, lower than the California rate of 0.70%. The median household earns $113,428 a year, so the median home costs 7.3 times the median income (7.4 times for California). 65% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Camarillo at a glance
| Camarillo | California | U.S. | |
|---|---|---|---|
| Median home value | $827,300 | $734,700 | $332,700 |
| Median property tax paid per year | $5,399 | $5,124 | $3,119 |
| Property tax as a share of value | 0.65% | 0.70% | 0.94% |
| Median household income | $113,428 | $99,122 | $80,734 |
| Homes lived in by their owners | 65% | 56% | 65% |
| Owner homes with a mortgage | 68% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,121 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 24.7% | 24.8% | 21.0% |
| Median rent | $2,734 | $2,036 | $1,413 |
| Rent as a share of renters' income | 37.4% | 32.8% | 30.6% |
| Median year homes were built | 1982 | 1976 | 1980 |
| Vacant homes | 5.1% | 7.5% | 10.1% |
| Population | 70,186 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Camarillo
At this week's average 30-year rate of 7.11%, buying the median Camarillo home of $827,300 with 20% down costs about $5,245 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $6,756, 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 $224,789 for the 20%-down payment. That payment is 55% of the median Camarillo household income of $113,428; at that income and 20% down, the 28% guideline points to a home of about $417,000.
The median rent here is $2,734 a month, so owning the median home costs about $2,511 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $165,460 |
|---|---|
| Loan amount | $661,840 |
| Principal and interest | $4,452 |
| Property taxes (0.65% a year) | $448 |
| Homeowners insurance (our estimate, 0.5% a year) | $345 |
| PMI | $0 |
| Total per month | $5,245 |
Change the numbers in the calculator
| Down payment | $28,956 |
|---|---|
| Loan amount | $812,316 |
| Principal and interest | $5,464 |
| Property taxes (0.65% a year) | $448 |
| Homeowners insurance (our estimate, 0.5% a year) | $345 |
| FHA mortgage insurance | $499 |
| Total per month | $6,756 |
Change the numbers in the calculator
Questions about home buying in Camarillo
What is the median home value in Camarillo?
About $827,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Camarillo?
Homeowners pay a median $5,399 a year, which is about 0.65% 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 Camarillo?
For the median home with 20% down at 7.11%, the payment is about $5,245 a month. Keeping that under 28% of gross income takes about $224,789 a year.
More about Camarillo
- Mortgage Refinance in Camarillo
- Debt Relief in Camarillo
- Home Equity Loans in Camarillo
- 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