City · 26,749 residents · Solano County, California
Benicia, California
In Benicia, a typical home is worth $810,000 and typical rent is $2,280 a month. Compared with all of Solano County, the typical home value is 31% higher, typical household income is 21% higher, and the share of households that own their home is 6 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $725,238 to $780,445.
Typical rent
$2,455a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,156 to $2,455.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Benicia is in Solano County. The FHA loan limit ($685,400 for a one-unit home), the fair market rents and the help on this page are those of all of Solano County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Vallejo, the typical home value is $589,500: 27% less than in Benicia ($810,000).
2
The typical home in Benicia is worth $810,000,31% more than in Solano County as a whole ($617,700).
3
The typical household income in Benicia is $121,204,21% more than in Solano County as a whole ($100,401).
4
69% of households in Benicia own their home, against 63% in Solano County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Benicia
What homes there are in Benicia, 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
Benicia
Solano County
California
United States
Kind of home: Benicia and its comparisons
Measure
Benicia
Solano County
California
United States
Detached house
63%
72%
57%
61%
Attached house
10%
5%
7%
6%
Building of 2 to 4
9%
7%
8%
8%
Apartments (5 or more)
12%
14%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Benicia, 6 in 10 homes are single-family detached houses; in Solano County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Benicia
Solano County
California
United States
Year built: Benicia and its comparisons
Measure
Benicia
Solano County
California
United States
Before 1960
15%
17%
27%
26%
1960–1979
30%
29%
29%
24%
1980–1999
47%
36%
25%
25%
2000–2009
6%
12%
11%
14%
2010 or later
2%
7%
8%
11%
The typical year built in Benicia is 1981, about the same as in Solano County (1982).
There are fewer big homes in Benicia than in Solano County: 64% have 3 bedrooms or more, against 67%.
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–$500K9%
$500K–$750K21%
$750K–$1M42%
$1M or more18%
Value of owner-occupied homes: Benicia and its comparisons
Measure
Benicia
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
9%
$500K–$750K
21%
$750K–$1M
42%
$1M or more
18%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99918%
$2,000–$2,49929%
$2,500–$2,99916%
$3,000 or more21%
Monthly rent with utilities: Benicia and its comparisons
Measure
Benicia
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
18%
$2,000–$2,499
29%
$2,500–$2,999
16%
$3,000 or more
21%
With a mortgage
$3,076 a month
Solano County: $2,746 a month
Without a mortgage
$901 a month
Solano County: $765 a month
Owners with a mortgage
68%
Solano County: 72%
The typical cost for an owner with a mortgage in Benicia is $3,076 a month, more than in Solano County ($2,746); without one, $901.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Benicia+38%
Solano County+52%
California+46%
United States+53%
Typical rent
Benicia+23%
Solano County+36%
California+36%
United States+33%
Typical household income
Benicia+17%
Solano County+23%
California+32%
United States+29%
Change since 2015–2019: Benicia and its comparisons
Measure
Benicia
Solano County
California
United States
Typical home value
+38%
+52%
+46%
+53%
Typical rent
+23%
+36%
+36%
+33%
Typical household income
+17%
+23%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Benicia rose 38%; in Solano County, it rose 52%.
The typical rent in Benicia rose 23% over the same time; in Solano County, it rose 36%.
Housing prices ran ahead of income in Benicia: typical income rose 17%, against +38% for home values and +23% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Benicia and its comparisons
Measure
Benicia
Solano County
California
United States
Rental vacancy
Unreliable estimate
2.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
Unreliable estimate
5.3%
8.2%
3.4%
People per household
2.42
2.80
2.84
2.53
Drive alone
66%
74%
66%
69%
Carpool
7%
9%
10%
9%
Public transit
Unreliable estimate
2%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
23%
12%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.42 on average, against 2.80 in Solano County.
In Benicia, 23% of workers work from home, more than in Solano County (12%).
Do the math
What would you pay each month for a home in Benicia?
A typical home costs more than the typical income allows
We start with a typical home in Benicia, worth $810,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Benicia, which is $121,204 a year. For that payment to be 28% of income, a household would need to earn about $279,529 a year. Note: at that price the loan is above the FHA limit for Solano County ($685,400), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Solano 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 Benicia. 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 $28,350 (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
$6,522
at 7.18% · 30 years
Loan amount
$795,329
Total interest
$1,144,292
Paid off in
November 2056
Includes $13,679 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,828 a month
Tight
$2,828 to $3,636 a month
Hard
more than $3,636 a month
Your payment · 65%
Compared with the typical household income in Benicia ($121,204 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,388
Property tax
$439
Home insurance
$338
FHA mortgage insurance (MIP)
$358
This loan is over the FHA limit
You'd borrow $781,650, but the FHA limit for a one-unit home in Benicia is $685,400. You'd need a bigger down payment or a different loan.
You need at least $28,350 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 $6,522; principal and interest $5,388.
The city and its county
Benicia and Solano County
Benicia is in Solano 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).
Benicia
Map of Solano County, California, with Benicia marked. Around it, the neighboring counties.
Benicia
Solano County
Other cities with a page
Benicia's own numbers
Typical home value
$810,000
Typical monthly rent
$2,280
Typical yearly household income
$121,204
Households that own their home
69%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Solano County
FHA limit, one-unit home
$685,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,342
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
3.9%
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 Solano County.
A typical home in Benicia is worth $810,000: 31% above the county and 10% above California. With the typical household income in Benicia ($121,204 a year), a typical home costs 6.7 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.
Benicia6.7 years
Solano6.2 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Solano County
According to FHFA’s house price index, home prices in Solano County rose 76% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Solano County.
Yearly change in FHFA’s price index in Solano County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +8.6% +8.6% 2017
2018: +7.8% +7.8% 2018
2019: +3.4% +3.4% 2019
2020: +2.2% +2.2% 2020
2021: +15.0% +15.0% 2021
2022: +11.9% +11.9% 2022
2023: −1.2% −1.2% 2023
2024: +2.2% +2.2% 2024
2025: −0.3% −0.3% 2025
Change in FHFA’s price index in Solano County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.3%
+0.8%
+2.9%
5 years (2020–2025)
+30%
+40%
+47%
10 years (2015–2025)
+76%
+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
Benicia next to Solano 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
Benicia$810,000
Solano$617,700
California$734,700
United States$332,700
Typical monthly rent
Benicia$2,280
Solano$2,163
California$2,036
United States$1,413
Typical yearly household income
Benicia$121,204
Solano$100,401
California$99,122
United States$80,734
See the full table
Benicia next to Solano County and California
Measure
Benicia
Solano County
California
U.S.
Typical home value
$810,000 ▲31% above the county
$617,700
$734,700
$332,700
Typical monthly rent
$2,280 ▲5% above the county
$2,163
$2,036
$1,413
Typical yearly household income
$121,204 ▲21% above the county
$100,401
$99,122
$80,734
Households that own their home
69% ▲6 points above the county
63%
56%
65%
Typical yearly property tax
$5,288 ▲14% above the county
$4,621
$5,124
$3,119
Effective property tax rate
0.65% ▼0.1 points below the county
0.75%
0.7%
0.94%
Renters with high rent for their income
61% ▲1 points above the county
60%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Solano 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 Benicia
For a typical $810,000 home in Benicia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Benicia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,522a month
Above the FHA limit for Solano County ($685,400)
Down payment
$28,350
Cash to close
$52,650
Rate
7.18%
Mortgage insurance
FHA MIP · $358
Conventional, 5% down$6,374a month
Least cash to close
Down payment
$40,500
Cash to close
$64,800
Rate
7.18%
Mortgage insurance
PMI · $385
Conventional, 20% down, no PMI$5,166a month
Down payment
$162,000
Cash to close
$186,300
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,915a month
Down payment
$121,500
Cash to close
$145,800
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Benicia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Solano County ($685,400)
$6,522
$28,350
$795,329
7.18%
FHA MIP · $358
$52,650
580
Conventional, 5% down Least cash to close
$6,374
$40,500
$769,500
7.18%
PMI · $385
$64,800
620*
Conventional, 20% down, no PMI
$5,166
$162,000
$648,000
7.18%
None
$186,300
620*
ITIN, 15% down (example)
$5,915
$121,500
$688,500
8.18%
None
$145,800
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Benicia is $2,280 a month: 5% above the county. In Benicia, 61% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Solano County, by unit size. To pay the 2-bedroom one ($2,342 a month) without spending more than 30% of your income, you would need to earn $45.04 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Solano County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,706
$32.81
$68,240
1 bedroom
$1,876
$36.08
$75,040
2 bedrooms
$2,342
$45.04
$93,680
3 bedrooms
$3,053
$58.71
$122,120
4 bedrooms
$3,483
$66.98
$139,320
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 Benicia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Benicia is in ZIP code 94510.
For 2 bedrooms it is $2,560: $218 more than the fair market rent for Solano County ($2,342).
Fair market rent by ZIP code and size in Benicia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
94510
$1,860
$2,050
$2,560
$3,340
$3,810
ZIP code2 bd3 bd
94510 $2,560$3,340
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Benicia 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)
HUD lists 2 buildings with rents for lower incomes in Benicia. These are the largest.
Capitol Heights35 Riverhill Dr, Benicia 9451075 low-income homes · Run by City of Benicia HSG Auth · Average payment: $765 a month · Average wait: 10 months(707) 745-2071
Benicia Point91 Riverview Ter, Benicia 9451056 homes, 55 low-income · 1 bd: 12 · 2 bd: 24 · 3 bd: 20 · In service since 2004 · For families
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 Solano 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 Benicia or Solano County. The ones below are statewide in California: they work in Benicia 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 Benicia or Solano 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.
Short answers with the numbers for Benicia and all of Solano 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 Benicia?
The typical home value in Benicia is $810,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Solano County it is $617,700.
How much does it cost to rent in Benicia?
Typical rent in Benicia is $2,280 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Solano County is $2,342.
What is the FHA loan limit in Benicia?
Benicia uses the FHA limit for all of Solano County (2026): $685,400 for a one-unit home and $1,318,100 for a four-unit home.
How much property tax do owners pay in Benicia?
The typical homeowner in Benicia pays $5,288 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Solano County, the rate is 0.75%.
Where can I find free help to buy or rent in Benicia?
We found no HUD-approved counseling agencies with an office in Solano County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
