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City · 7,915 residents · San Luis Obispo County, California

California Polytechnic State University , California

In California Polytechnic State University, a typical home is worth $564,700. Compared with all of San Luis Obispo County, the typical home value is 32% lower.

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  • Typical home value

    $564,700

    32% below the county

    23% below California

    • California Polytechnic State University
    • San Luis Obispo
    • California

Source: U.S. Census Bureau, Average 2020–2024

California Polytechnic State University 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

Data updated: October 1, 2026 11 official sources

Only here

What sets California Polytechnic State University apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in California Polytechnic State University is worth $564,700, 32% less than in San Luis Obispo County as a whole ($824,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in California Polytechnic State University

What homes there are in California Polytechnic State University, 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
Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

California Polytechnic State University does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in San Luis Obispo County the typical home value rose 44%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCalifornia Polytechnic State UniversitySan Luis Obispo CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.6%4.2%5.5%
Homeowner vacancy Unreliable estimate2.0%0.8%0.9%
More than one person per room Unreliable estimate4.1%8.2%3.4%
People per household 2.622.432.842.53
Drive alone 18%71%66%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 61%5%3%3%
Work from home 14%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.62 on average, against 2.43 in San Luis Obispo County.

Many here get to work on foot or by bike: 61%, more than in San Luis Obispo County (5%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in California Polytechnic State University?

The Census Bureau publishes no typical home value or typical household income for California Polytechnic State University, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in California Polytechnic State University: $564,700. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of San Luis Obispo County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of San Luis Obispo County.

Your numbers

Local data
$

Starts at the typical home value in California Polytechnic State University. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $19,765 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,679

at 7.18% · 30 years

Loan amount
$554,471
Total interest
$797,754
Paid off in
November 2056

Includes $9,536 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$4,679
Principal & interest$3,756
Property tax$438
Home insurance$235
FHA mortgage insurance (MIP)$250

You need at least $19,765 for the down payment, plus closing costs.

Next step

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.

The city and its county

California Polytechnic State University and San Luis Obispo County

California Polytechnic State University 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).

California Polytechnic State University's own numbers

Typical home value
$564,700
Effective property tax rate
0.93%

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.

Everything about San Luis Obispo County

Buying

Buying a home in California Polytechnic State University

A typical home in California Polytechnic State University is worth $564,700: 32% below the county and 23% below California.

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.

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

California Polytechnic State University 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
  • California Polytechnic State University $564,700
  • San Luis Obispo $824,700
  • California $734,700
  • United States $332,700
See the full table
California Polytechnic State University next to San Luis Obispo County and California
Measure California Polytechnic State University San Luis Obispo County California U.S.
Typical home value $564,700 $824,700 $734,700 $332,700
Typical yearly property tax $5,260 $5,636 $5,124 $3,119
Effective property tax rate 0.93% 0.68% 0.7% 0.94%

“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 California Polytechnic State University

For a typical $564,700 home in California Polytechnic State University, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, California Polytechnic State University's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,679a month

    Least cash to close
    Down payment
    $19,765
    Cash to close
    $36,706
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $250

  • Conventional, 5% down $4,575a month

    Down payment
    $28,235
    Cash to close
    $45,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $268

  • Conventional, 20% down, no PMI $3,733a month

    Down payment
    $112,940
    Cash to close
    $129,881
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,255a month

    Down payment
    $84,705
    Cash to close
    $101,646
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for California Polytechnic State University and for San Luis Obispo County.

Property tax

Effective rate in California Polytechnic State University

0.93%of the home’s value each year

$5,260 a year for the typical owner in California Polytechnic State University.

  • California Polytechnic State University 0.93%
  • San Luis Obispo 0.68%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in San Luis Obispo County

FEMA does not publish these numbers by city: they are for all of San Luis Obispo County.

Homes in the high-risk zone
2.7%
2,861
Of those, with NFIP insurance
22%
County California U.S.
Homes in the high-risk zone 2.7% 2.8% 3.5%
Of those, with NFIP insurance 22% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in California Polytechnic State University

The Census Bureau publishes no typical rent for California Polytechnic State University. Below are the fair market rents for San Luis Obispo County.

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.

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 California Polytechnic State University

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). California Polytechnic State University has 3 ZIP codes with their own.

For 2 bedrooms it is $2,820 in all of them.

3 of the 3 are above the fair market rent for San Luis Obispo County ($2,720).

  • 93405 $2,820$3,770
  • 93407 $2,820$3,770
  • 93410 $2,820$3,770

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for California Polytechnic State University 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in California Polytechnic State University

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in California Polytechnic State University

No down payment, repair or rent-help program on our list is for California Polytechnic State University or San Luis Obispo County. The ones below are statewide in California: they work in California Polytechnic State University the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near California Polytechnic State University

The HUD-approved agencies closest to the center of California Polytechnic State University, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 101 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (559) 802-1664

  • Community Services and Employment Training, Inc. (CSET)

    312 NW 3rd Ave, Visalia · 105 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 1 more
    (559) 732-4194

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 108 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (559) 209-8031

All counseling agencies in California

Help in Spanish near California Polytechnic State University

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of California Polytechnic State University

In HUD’s record, no housing authority with an office in San Luis Obispo County is named for California Polytechnic State University or San Luis Obispo County.

2 other authorities have an office in San Luis Obispo County: see the list Source: HUD

Cities

Other cities in San Luis Obispo County

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.

Everything about San Luis Obispo County Housing in California

Nearby cities

The cities closest to California Polytechnic State University, with the typical home value.

Neighboring counties

If San Luis Obispo County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in California Polytechnic State University.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about California Polytechnic State University

Short answers with the numbers for California Polytechnic State University 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 California Polytechnic State University?

The typical home value in California Polytechnic State University is $564,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Luis Obispo County it is $824,700.

What is the FHA loan limit in California Polytechnic State University?

California Polytechnic State University 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 California Polytechnic State University?

The typical homeowner in California Polytechnic State University pays $5,260 a year, according to the U.S. Census Bureau. That is 0.93% 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 California Polytechnic State University?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).