How much do homeowners pay a month in Los Osos, CA?

Name: Homeowner costs in Los Osos, CA, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Los Osos, CA pay a median of $2,490 (±$195) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $878 (±$53).

63.5% of owned homes carry a mortgage.

In Los Osos, the median monthly cost with a mortgage went from $2,310 in 2015–2019 to $2,490 in 2020–2024 (+7.8%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $2,490 (±$195)
Without a mortgage: $878 (±$53)
Owned with a mortgage: 63.5%

Monthly owner costs in Los Osos

Median selected monthly owner costs, estimate (90% margin of error)
	Los Osos	San Luis Obispo County	California	United States
With a mortgage	$2,490 (±$195)	$2,887 (±$45)	$2,946 (±$5)	$1,963
Without a mortgage	$878 (±$53)	$849 (±$24)	$829 (±$3)	$638
Owned homes with a mortgage	63.5% (±4.4 points)	63.8% (±1.5 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$6,278 (±$358)	$5,636 (±$132)	$5,124 (±$17)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Los Osos, the median cost with a mortgage is lower than in San Luis Obispo County ($2,887).

It is also lower than in California ($2,946).

It is higher than the national figure ($1,963).

In San Luis Obispo County, Los Osos ranks 17 of 22 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 594 of 1,051.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Los Osos have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,310 (±$153)	$2,490 (±$195)	+7.8%	Down after inflation
Median real estate taxes	$4,722 (±$220)	$6,278 (±$358)	+33.0%	Up after inflation
Median home value	$551,500 (±$21,592)	$805,800 (±$31,362)	+46.1%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Los Osos

Nearest places with a published estimate, compared with Los Osos
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Los Osos	—	$2,490 (±$195)	—
Morro Bay	4.8 mi	$3,015 (±$477)	Higher
California Polytechnic State University	8.9 mi	$2,417 (±$1,344)	Not measurably different
San Luis Obispo	9.2 mi	$3,110 (±$164)	Higher
Avila Beach	9.5 mi	$4,000 or more	—
Cayucos	9.9 mi	$3,613 (±$673)	Higher
Los Ranchos	13 mi	$3,452 (±$1,464)	Not measurably different
Santa Margarita	13 mi	$3,105 (±$617)	Not measurably different
Pismo Beach	14 mi	$3,120 (±$458)	Higher

Nearby places with a measurably higher figure: Morro Bay, CA ($3,015), San Luis Obispo, CA ($3,110), Cayucos, CA ($3,613).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across San Luis Obispo County, place by place

Rank	Place	Median monthly cost with a mortgage
11	Cambria	$2,905 (±$193)
12	Atascadero	$2,823 (±$127)
13	Nipomo	$2,742 (±$203)
14	Lake Nacimiento	$2,687 (±$305)
15	El Paso de Robles (Paso Robles)	$2,667 (±$105)
16	Arroyo Grande	$2,631 (±$133)
17	Los Osos	$2,490 (±$195)
18	Oceano	$2,467 (±$270)
19	California Polytechnic State University	$2,417 (±$1,344)
20	Grover Beach	$2,406 (±$154)
21	Shandon	$2,129 (±$311)
22	San Miguel (San Luis Obispo County)	$1,892 (±$408)

Showing 12 of 22 places in San Luis Obispo County, ranked from highest to lowest.

Los Osos is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Los Osos

What is the average mortgage payment in Los Osos?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Los Osos, CA is $2,490 (±$195) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Los Osos?

Owners without a mortgage in Los Osos pay a median of $878 (±$53) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Los Osos gone up?

In Los Osos, the median monthly cost with a mortgage went from $2,310 in 2015–2019 to $2,490 in 2020–2024 (+7.8%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Los Osos CDP, California (place:44182, in state:06).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.