How much do homeowners pay a month in Los Ranchos, CA?
Homeowners with a mortgage in Los Ranchos, CA pay a median of $3,452 (±$1,464) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,500 or more.
60.3% of owned homes carry a mortgage.
In Los Ranchos, the median monthly cost with a mortgage went from $3,750 in 2015–2019 to $3,452 in 2020–2024 (−7.9%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $3,452 (±$1,464)
- Without a mortgage
- $1,500 or more
- Owned with a mortgage
- 60.3%
Monthly owner costs in Los Ranchos
| Los Ranchos | San Luis Obispo County | California | United States | |
|---|---|---|---|---|
| With a mortgage | $3,452 (±$1,464) | $2,887 (±$45) | $2,946 (±$5) | $1,963 |
| Without a mortgage | $1,500 or more | $849 (±$24) | $829 (±$3) | $638 |
| Owned homes with a mortgage | 60.3% (±13.0 points) | 63.8% (±1.5 points) | 67.4% (±0.1 points) | 60.6% |
| Median real estate taxes (a year) | $10,000 or more | $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 Ranchos, the median cost with a mortgage is not measurably different from San Luis Obispo County ($2,887).
It is not measurably different from California ($2,946).
It is higher than the national figure ($1,963).
In San Luis Obispo County, Los Ranchos ranks 5 of 22 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 249 of 1,051.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Los Ranchos have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,750 (±$841) | $3,452 (±$1,464) | −7.9% | No measurable change after inflation |
| Median home value | $992,100 (±$81,272) | $1,244,900 (±$526,315) | +25.5% | No measurable change 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 Ranchos
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Los Ranchos | — | $3,452 (±$1,464) | — |
| San Luis Obispo | 4.3 mi | $3,110 (±$164) | Not measurably different |
| Pismo Beach | 4.9 mi | $3,120 (±$458) | Not measurably different |
| Avila Beach | 5.3 mi | $4,000 or more | — |
| Grover Beach | 6.4 mi | $2,406 (±$154) | Not measurably different |
| Arroyo Grande | 6.6 mi | $2,631 (±$133) | Not measurably different |
| California Polytechnic State University | 6.9 mi | $2,417 (±$1,344) | Not measurably different |
| Oceano | 7.8 mi | $2,467 (±$270) | Not measurably different |
| Callender | 12 mi | $3,542 (±$1,426) | Not measurably different |
None of the nearby places differs measurably from this one on this figure.
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 |
|---|---|---|
| 1 | Avila Beach | $4,000 or more |
| 2 | Woodlands | $3,726 (±$785) |
| 3 | Cayucos | $3,613 (±$673) |
| 4 | Callender | $3,542 (±$1,426) |
| 5 | Los Ranchos | $3,452 (±$1,464) |
| 6 | Pismo Beach | $3,120 (±$458) |
| 7 | San Luis Obispo | $3,110 (±$164) |
| 8 | Santa Margarita | $3,105 (±$617) |
| 9 | Templeton | $3,033 (±$295) |
| 10 | Morro Bay | $3,015 (±$477) |
| 11 | Cambria | $2,905 (±$193) |
Showing 11 of 22 places in San Luis Obispo County, ranked from highest to lowest.
Los Ranchos 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 Ranchos
What is the average mortgage payment in Los Ranchos?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Los Ranchos, CA is $3,452 (±$1,464) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Los Ranchos?
Owners without a mortgage in Los Ranchos pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Los Ranchos gone up?
In Los Ranchos, the median monthly cost with a mortgage went from $3,750 in 2015–2019 to $3,452 in 2020–2024 (−7.9%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Los Ranchos CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Los Ranchos CDP, California
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Los Ranchos CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Los Ranchos CDP, California
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Los Ranchos CDP, California
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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 Ranchos CDP, California (place:44242, 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.
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.
Figures last updated on .
Related
- Housing in Los Ranchos at a glance
- Home values in Los Ranchos
- Property taxes in Los Ranchos
- Types of homes in Los Ranchos
- Age of homes in Los Ranchos
- Heating fuel in Los Ranchos
- Commute and cars in Los Ranchos
- Population growth in Los Ranchos
- California landlord and tenant rules
- Housing across San Luis Obispo County
- Housing data for every place in California