The typical owner-occupied home in San Ardo is worth about $445,900, 39% below the California median of $734,700 and 34% above the national median of $332,700. Owners pay a median $3,395 a year in property taxes, about 0.76% of their home's value, higher than the California rate of 0.70%. 48% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
San Ardo at a glance
| San Ardo | California | U.S. | |
|---|---|---|---|
| Median home value | $445,900 | $734,700 | $332,700 |
| Median property tax paid per year | $3,395 | $5,124 | $3,119 |
| Property tax as a share of value | 0.76% | 0.70% | 0.94% |
| Median household income | – | $99,122 | $80,734 |
| Homes lived in by their owners | 48% | 56% | 65% |
| Owner homes with a mortgage | 12% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,946 | $1,963 |
| Median rent | $1,225 | $2,036 | $1,413 |
| Rent as a share of renters' income | 51.0% | 32.8% | 30.6% |
| Median year homes were built | 1963 | 1976 | 1980 |
| Vacant homes | 6.0% | 7.5% | 10.1% |
| Population | 462 | 39,287,377 | 334,922,499 |
How much equity San Ardo owners could borrow
Home equity is what your home is worth minus what you owe. Most lenders let you borrow until your loans add up to 80% to 85% of the home's value. For the median San Ardo home of $445,900, 80% is $356,720.
88% of San Ardo owners have no mortgage at all, so they could borrow up to the full 80% limit.
If you instead refinance and take cash out, the whole loan moves to the new rate (this week's 30-year average is 7.11%). A home equity loan or line of credit keeps your current first mortgage, which is usually better when your existing rate is lower than today's.
| Owe nothing | $356,720 to $379,015 |
|---|---|
| Owe $111,475 | $245,245 to $267,540 |
| Owe $222,950 | $133,770 to $156,065 |
| Owe $289,835 | $66,885 to $89,180 |
Before the lender's own limits, fees and your credit and income checks.
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Questions about home equity loans in San Ardo
What is the median home value in San Ardo?
About $445,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Ardo?
Homeowners pay a median $3,395 a year, which is about 0.76% of the median home value. Your bill depends on your home's assessed value and local rates.
How much can I borrow against my home in San Ardo?
Usually up to 80% to 85% of your home's value, minus what you owe. On the median home of $445,900, an 80% limit is $356,720 before subtracting your mortgage.
More about San Ardo
- Mortgage Refinance in San Ardo
- Home Buying in San Ardo
- Debt Relief in San Ardo
- 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