The typical owner-occupied home in San Ysidro is worth about $335,300, 35% above the New Mexico median of $248,100 and about the same as the national median of $332,700. Owners pay a median $2,180 a year in property taxes, about 0.65% of their home's value, lower than the New Mexico rate of 0.70%. The median household earns $89,473 a year, so the median home costs 3.7 times the median income (3.9 times for New Mexico). 85% of occupied homes here are lived in by their owners, and 18% of those owners still have a mortgage.
San Ysidro at a glance
| San Ysidro | New Mexico | U.S. | |
|---|---|---|---|
| Median home value | $335,300 | $248,100 | $332,700 |
| Median property tax paid per year | $2,180 | $1,731 | $3,119 |
| Property tax as a share of value | 0.65% | 0.70% | 0.94% |
| Median household income | $89,473 | $64,059 | $80,734 |
| Homes lived in by their owners | 85% | 70% | 65% |
| Owner homes with a mortgage | 18% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,564 | $1,963 |
| Those costs as a share of the owners' income | 41.2% | 20.6% | 21.0% |
| Median rent | $916 | $1,067 | $1,413 |
| Rent as a share of renters' income | 31.5% | 30.1% | 30.6% |
| Median year homes were built | 1991 | 1985 | 1980 |
| Vacant homes | 3.6% | 12.5% | 10.1% |
| Population | 2,118 | 2,120,246 | 334,922,499 |
What a typical home costs per month in San Ysidro
At this week's average 30-year rate of 7.11%, buying the median San Ysidro home of $335,300 with 20% down costs about $2,126 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,684, 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 $91,106 for the 20%-down payment. That payment is 29% of the median San Ysidro household income of $89,473; at that income and 20% down, the 28% guideline points to a home of about $329,000.
The median rent here is $916 a month, so owning the median home costs about $1,210 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $67,060 |
|---|---|
| Loan amount | $268,240 |
| Principal and interest | $1,804 |
| Property taxes (0.65% a year) | $182 |
| Homeowners insurance (our estimate, 0.5% a year) | $140 |
| PMI | $0 |
| Total per month | $2,126 |
Change the numbers in the calculator
| Down payment | $11,736 |
|---|---|
| Loan amount | $329,227 |
| Principal and interest | $2,215 |
| Property taxes (0.65% a year) | $182 |
| Homeowners insurance (our estimate, 0.5% a year) | $140 |
| FHA mortgage insurance | $148 |
| Total per month | $2,684 |
Change the numbers in the calculator
Questions about home buying in San Ysidro
What is the median home value in San Ysidro?
About $335,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Ysidro?
Homeowners pay a median $2,180 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 San Ysidro?
For the median home with 20% down at 7.11%, the payment is about $2,126 a month. Keeping that under 28% of gross income takes about $91,106 a year.
More about San Ysidro
- Mortgage Refinance in San Ysidro
- Debt Relief in San Ysidro
- Home Equity Loans in San Ysidro
- 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