City · 29,712 residents · San Luis Obispo County, California
Atascadero, California
In Atascadero, a typical home is worth $716,500 and typical rent is $1,854 a month. Compared with all of San Luis Obispo County, the typical home value is 13% lower and typical rent is 7% lower.
Typical home value from Zillow, September 2021 to September 2026: from $641,581 to $782,615.
Typical rent
$2,445a month
▲ 5.8% more than 12 months ago
Typical rent from Zillow, December 2023 to September 2026: from $2,105 to $2,445.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Atascadero is in San Luis Obispo County. The FHA loan limit ($1,000,500 for a one-unit home), the fair market rents and the help on this page are those of all of San Luis Obispo County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in California Polytechnic State University, the typical home value is $564,700: 21% less than in Atascadero ($716,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Atascadero
What homes there are in Atascadero, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Atascadero
San Luis Obispo County
California
United States
Kind of home: Atascadero and its comparisons
Measure
Atascadero
San Luis Obispo County
California
United States
Detached house
71%
68%
57%
61%
Attached house
5%
6%
7%
6%
Building of 2 to 4
7%
8%
8%
8%
Apartments (5 or more)
13%
10%
24%
19%
Mobile home
4%
8%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in San Luis Obispo County, most homes in Atascadero are detached houses (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Atascadero
San Luis Obispo County
California
United States
Year built: Atascadero and its comparisons
Measure
Atascadero
San Luis Obispo County
California
United States
Before 1960
15%
16%
27%
26%
1960–1979
29%
28%
29%
24%
1980–1999
33%
32%
25%
25%
2000–2009
15%
16%
11%
14%
2010 or later
8%
9%
8%
11%
By age, homes in Atascadero look like those in San Luis Obispo County: the typical year built is 1983.
Much as in San Luis Obispo County, 59% of homes in Atascadero have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K14%
$500K–$750K35%
$750K–$1M27%
$1M or more18%
Value of owner-occupied homes: Atascadero and its comparisons
Measure
Atascadero
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
14%
$500K–$750K
35%
$750K–$1M
27%
$1M or more
18%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49915%
$1,500–$1,99935%
$2,000–$2,49920%
$2,500–$2,99913%
$3,000 or more7%
Monthly rent with utilities: Atascadero and its comparisons
Measure
Atascadero
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
15%
$1,500–$1,999
35%
$2,000–$2,499
20%
$2,500–$2,999
13%
$3,000 or more
7%
With a mortgage
$2,823 a month
San Luis Obispo County: $2,887 a month
Without a mortgage
$856 a month
San Luis Obispo County: $849 a month
Owners with a mortgage
72%
San Luis Obispo County: 64%
Owning costs about the same in Atascadero as in San Luis Obispo County: with a mortgage, $2,823 a month; without one, $856.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Atascadero+45%
San Luis Obispo County+44%
California+46%
United States+53%
Typical rent
Atascadero+31%
San Luis Obispo County+35%
California+36%
United States+33%
Typical household income
Atascadero+15%
San Luis Obispo County+33%
California+32%
United States+29%
Change since 2015–2019: Atascadero and its comparisons
Measure
Atascadero
San Luis Obispo County
California
United States
Typical home value
+45%
+44%
+46%
+53%
Typical rent
+31%
+35%
+36%
+33%
Typical household income
+15%
+33%
+32%
+29%
The typical home value in Atascadero rose 45% since 2015–2019, about the same as in San Luis Obispo County (44%).
Rents in Atascadero rose more slowly than in San Luis Obispo County: 31% since 2015–2019, against 35%.
Here income did not keep up with housing: it rose 15%, while home values changed +45% and rent +31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Atascadero and its comparisons
Measure
Atascadero
San Luis Obispo County
California
United States
Rental vacancy
Unreliable estimate
4.6%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
2.0%
0.8%
0.9%
More than one person per room
4.5%
4.1%
8.2%
3.4%
People per household
2.52
2.43
2.84
2.53
Drive alone
75%
71%
66%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
14%
15%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in San Luis Obispo County, 4.5% of households in Atascadero have more than one person per room.
By size, households in Atascadero look like those in San Luis Obispo County: 2.52 people on average.
In Atascadero, 75% of workers drive alone to work; in San Luis Obispo County, 71%.
Do the math
What would you pay each month for a home in Atascadero?
A typical home costs more than the typical income allows
We start with a typical home in Atascadero, worth $716,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in Atascadero, which is $91,429 a year. For that payment to be 28% of income, a household would need to earn about $249,565 a year.
The calculator's FHA and conventional loan limits are those of all of San Luis Obispo County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Atascadero. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $25,078 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,823
at 7.18% · 30 years
Loan amount
$703,522
Total interest
$1,012,203
Paid off in
November 2056
Includes $12,100 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,133 a month
Tight
$2,133 to $2,743 a month
Hard
more than $2,743 a month
Your payment · 76%
Compared with the typical household income in Atascadero ($91,429 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,766
Property tax
$442
Home insurance
$299
FHA mortgage insurance (MIP)
$317
You need at least $25,078 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,823; principal and interest $4,766.
The city and its county
Atascadero and San Luis Obispo County
Atascadero is in San Luis Obispo County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Atascadero
Map of San Luis Obispo County, California, with Atascadero marked. Around it, the neighboring counties.
Atascadero
San Luis Obispo County
Other cities with a page
Atascadero's own numbers
Typical home value
$716,500
Typical monthly rent
$1,854
Typical yearly household income
$91,429
Households that own their home
65%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Luis Obispo County
FHA limit, one-unit home
$1,000,500
Conventional limit, one unit
$1,000,500
HUD fair market rent, 2 bedrooms
$2,720
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Luis Obispo County.
A typical home in Atascadero is worth $716,500: 13% below the county and 2% below California. With the typical household income in Atascadero ($91,429 a year), a typical home costs 7.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Atascadero7.8 years
San Luis Obispo8.5 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in San Luis Obispo County
According to FHFA’s house price index, home prices in San Luis Obispo County rose 85% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of San Luis Obispo County.
Yearly change in FHFA’s price index in San Luis Obispo County, 2016 to 2025
2016: +8.0% +8.0% 2016
2017: +5.4% +5.4% 2017
2018: +4.9% +4.9% 2018
2019: +3.3% +3.3% 2019
2020: +1.7% +1.7% 2020
2021: +10.8% +10.8% 2021
2022: +15.9% +15.9% 2022
2023: +7.7% +7.7% 2023
2024: +3.4% +3.4% 2024
2025: +3.3% +3.3% 2025
Change in FHFA’s price index in San Luis Obispo County, California and the United States
Period
County
California
U.S.
Last year (2025)
+3.3%
+0.8%
+2.9%
5 years (2020–2025)
+48%
+40%
+47%
10 years (2015–2025)
+85%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Atascadero next to San Luis Obispo County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Atascadero$716,500
San Luis Obispo$824,700
California$734,700
United States$332,700
Typical monthly rent
Atascadero$1,854
San Luis Obispo$1,992
California$2,036
United States$1,413
Typical yearly household income
Atascadero$91,429
San Luis Obispo$97,446
California$99,122
United States$80,734
See the full table
Atascadero next to San Luis Obispo County and California
Measure
Atascadero
San Luis Obispo County
California
U.S.
Typical home value
$716,500 ▼13% below the county
$824,700
$734,700
$332,700
Typical monthly rent
$1,854 ▼7% below the county
$1,992
$2,036
$1,413
Typical yearly household income
$91,429 ▼6% below the county
$97,446
$99,122
$80,734
Households that own their home
65% ▲3 points above the county
62%
56%
65%
Typical yearly property tax
$5,289 ▼6% below the county
$5,636
$5,124
$3,119
Effective property tax rate
0.74% ▲0.06 points above the county
0.68%
0.7%
0.94%
Renters with high rent for their income
53% ▼4 points below the county
58%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Luis Obispo County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Atascadero
For a typical $716,500 home in Atascadero, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atascadero's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,823a month
Least cash to close
Down payment
$25,078
Cash to close
$46,573
Rate
7.18%
Mortgage insurance
FHA MIP · $317
Conventional, 5% down$5,692a month
Down payment
$35,825
Cash to close
$57,320
Rate
7.18%
Mortgage insurance
PMI · $340
Conventional, 20% down, no PMI$4,623a month
Down payment
$143,300
Cash to close
$164,795
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,286a month
Down payment
$107,475
Cash to close
$128,970
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Atascadero
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,823
$25,078
$703,522
7.18%
FHA MIP · $317
$46,573
580
Conventional, 5% down
$5,692
$35,825
$680,675
7.18%
PMI · $340
$57,320
620*
Conventional, 20% down, no PMI
$4,623
$143,300
$573,200
7.18%
None
$164,795
620*
ITIN, 15% down (example)
$5,286
$107,475
$609,025
8.18%
None
$128,970
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Atascadero is $1,854 a month: 7% below the county. In Atascadero, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Luis Obispo County, by unit size. To pay the 2-bedroom one ($2,720 a month) without spending more than 30% of your income, you would need to earn $52.31 an hour working full time.
HUD fair market rent for all of San Luis Obispo County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Luis Obispo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,894
$36.42
$75,760
1 bedroom
$2,079
$39.98
$83,160
2 bedrooms
$2,720
$52.31
$108,800
3 bedrooms
$3,634
$69.88
$145,360
4 bedrooms
$4,208
$80.92
$168,320
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Atascadero
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atascadero is in ZIP code 93422.
For 2 bedrooms it is $2,610: $110 less than the fair market rent for San Luis Obispo County ($2,720).
Fair market rent by ZIP code and size in Atascadero, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
93422
$1,820
$2,000
$2,610
$3,490
$4,040
ZIP code2 bd3 bd
93422 $2,610$3,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atascadero when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in San Luis Obispo County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Atascadero or San Luis Obispo County. The ones below are statewide in California: they work in Atascadero the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Atascadero or San Luis Obispo County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
These cities are also in San Luis Obispo County. They share its loan limits and fair market rents, but home values and rent change from one to the next.
Short answers with the numbers for Atascadero and all of San Luis Obispo County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Atascadero?
The typical home value in Atascadero is $716,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Luis Obispo County it is $824,700.
How much does it cost to rent in Atascadero?
Typical rent in Atascadero is $1,854 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Luis Obispo County is $2,720.
What is the FHA loan limit in Atascadero?
Atascadero uses the FHA limit for all of San Luis Obispo County (2026): $1,000,500 for a one-unit home and $1,924,100 for a four-unit home.
How much property tax do owners pay in Atascadero?
The typical homeowner in Atascadero pays $5,289 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in San Luis Obispo County, the rate is 0.68%.
Where can I find free help to buy or rent in Atascadero?
We found no HUD-approved counseling agencies with an office in San Luis Obispo County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
