How much do homeowners pay a month in San Carlos, CA?

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

Homeowners with a mortgage in San Carlos, CA pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,298 (±$142).

72.2% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,298 (±$142)
Owned with a mortgage: 72.2%

Monthly owner costs in San Carlos

Median selected monthly owner costs, estimate (90% margin of error)
	San Carlos	San Mateo County	California	United States
With a mortgage	$4,000 or more	$4,000 or more	$2,946 (±$5)	$1,963
Without a mortgage	$1,298 (±$142)	$1,113 (±$26)	$829 (±$3)	$638
Owned homes with a mortgage	72.2% (±3.1 points)	66.1% (±0.8 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$9,519 (±$153)	$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.

Median monthly cost with a mortgage in places near San Carlos

Nearest places with a published estimate, compared with San Carlos
Place	Distance	Median monthly cost with a mortgage	Compared with this place
San Carlos	—	$4,000 or more	—
Belmont	1.8 mi	$4,000 or more	—
Emerald Lake Hills	2.3 mi	$4,000 or more	—
Redwood City	3.2 mi	$4,000 or more	—
North Fair Oaks	3.9 mi	$3,665 (±$361)	—
Highlands	4.5 mi	$4,000 or more	—
Baywood Park	4.6 mi	$4,000 or more	—
Foster City	4.6 mi	$4,000 or more	—
Atherton	4.7 mi	$4,000 or more	—

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 Mateo County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Half Moon Bay	$4,000 or more
1 (tie)	Hillsborough	$4,000 or more
1 (tie)	Menlo Park	$4,000 or more
1 (tie)	Millbrae	$4,000 or more
1 (tie)	Portola Valley	$4,000 or more
1 (tie)	Redwood City	$4,000 or more
1 (tie)	San Carlos	$4,000 or more
1 (tie)	San Mateo	$4,000 or more
1 (tie)	Woodside	$4,000 or more
1 (tie)	Baywood Park	$4,000 or more
1 (tie)	Emerald Lake Hills	$4,000 or more
1 (tie)	Highlands	$4,000 or more
1 (tie)	Ladera	$4,000 or more

Showing 13 of 31 places in San Mateo County, ranked from highest to lowest.

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 San Carlos

What is the average mortgage payment in San Carlos?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in San Carlos, CA is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in San Carlos?

Owners without a mortgage in San Carlos pay a median of $1,298 (±$142) a month in taxes, insurance, utilities and fees.

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 San Carlos city, California (place:65070, 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.