Typical home value from Zillow, September 2021 to September 2026: from $782,174 to $910,985.
Typical rent
$2,911a month
▲ 1.3% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,407 to $2,911.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Camarillo is in Ventura County. The FHA loan limit ($1,035,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ventura County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Santa Paula, the typical rent is $1,736: 37% less than in Camarillo ($2,734).
2
Nearby, in Santa Paula, the typical home value is $611,200: 26% less than in Camarillo ($827,300).
3
The typical rent in Camarillo is $2,734 a month, 18% more than in Ventura County as a whole ($2,317).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Camarillo
What homes there are in Camarillo, 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
Camarillo
Ventura County
California
United States
Kind of home: Camarillo and its comparisons
Measure
Camarillo
Ventura County
California
United States
Detached house
56%
63%
57%
61%
Attached house
19%
11%
7%
6%
Building of 2 to 4
3%
6%
8%
8%
Apartments (5 or more)
18%
16%
24%
19%
Mobile home
3%
4%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Camarillo, 6 in 10 homes are single-family detached houses; in Ventura County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Camarillo
Ventura County
California
United States
Year built: Camarillo and its comparisons
Measure
Camarillo
Ventura County
California
United States
Before 1960
5%
15%
27%
26%
1960–1979
41%
41%
29%
24%
1980–1999
33%
28%
25%
25%
2000–2009
13%
11%
11%
14%
2010 or later
9%
6%
8%
11%
Homes in Camarillo are newer: the typical year built is 1982; in Ventura County, 1978.
In Camarillo, 62% of homes have 3 bedrooms or more, about the same as in Ventura County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K2%
$200K–$300KUnreliable
$300K–$500K6%
$500K–$750K26%
$750K–$1M38%
$1M or more24%
Value of owner-occupied homes: Camarillo and its comparisons
Measure
Camarillo
Under $100K
3%
$100K–$200K
2%
$200K–$300K
Unreliable estimate
$300K–$500K
6%
$500K–$750K
26%
$750K–$1M
38%
$1M or more
24%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9992%
$1,000–$1,4995%
$1,500–$1,99910%
$2,000–$2,49919%
$2,500–$2,99924%
$3,000 or more38%
Monthly rent with utilities: Camarillo and its comparisons
Measure
Camarillo
Under $500
Unreliable estimate
$500–$999
2%
$1,000–$1,499
5%
$1,500–$1,999
10%
$2,000–$2,499
19%
$2,500–$2,999
24%
$3,000 or more
38%
With a mortgage
$3,121 a month
Ventura County: $3,105 a month
Without a mortgage
$844 a month
Ventura County: $847 a month
Owners with a mortgage
68%
Ventura County: 69%
Owning costs about the same in Camarillo as in Ventura County: with a mortgage, $3,121 a month; without one, $844.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Camarillo+37%
Ventura County+40%
California+46%
United States+53%
Typical rent
Camarillo+36%
Ventura County+31%
California+36%
United States+33%
Typical household income
Camarillo+21%
Ventura County+25%
California+32%
United States+29%
Change since 2015–2019: Camarillo and its comparisons
Measure
Camarillo
Ventura County
California
United States
Typical home value
+37%
+40%
+46%
+53%
Typical rent
+36%
+31%
+36%
+33%
Typical household income
+21%
+25%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Camarillo rose at about the same pace as in Ventura County: 37% against 40%.
The typical rent in Camarillo rose 36% over the same time; in Ventura County, it rose 31%.
The typical household income in Camarillo rose 21%: less than home values (+37%) and rent (+36%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Camarillo and its comparisons
Measure
Camarillo
Ventura County
California
United States
Rental vacancy
5.4%
3.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.8%
0.9%
More than one person per room
2.9%
7.0%
8.2%
3.4%
People per household
2.65
2.94
2.84
2.53
Drive alone
72%
70%
66%
69%
Carpool
6%
10%
10%
9%
Public transit
0%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
19%
16%
17%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Camarillo is 5.4%, higher than in Ventura County (3.8%).
In Camarillo, 2.9% of households live with more than one person per room, against 7.0% in Ventura County.
On average, a household in Camarillo has 2.65 people, fewer than in Ventura County (2.94).
To get to work, 72% of workers in Camarillo drive alone; in Ventura County, 70%.
Do the math
What would you pay each month for a home in Camarillo?
A typical home costs more than the typical income allows
We start with a typical home in Camarillo, worth $827,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in Camarillo, which is $113,428 a year. For that payment to be 28% of income, a household would need to earn about $285,499 a year.
The calculator's FHA and conventional loan limits are those of all of Ventura 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 Camarillo. 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 $28,956 (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
$6,662
at 7.18% · 30 years
Loan amount
$812,315
Total interest
$1,168,731
Paid off in
November 2056
Includes $13,971 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,647 a month
Tight
$2,647 to $3,403 a month
Hard
more than $3,403 a month
Your payment · 70%
Compared with the typical household income in Camarillo ($113,428 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,503
Property tax
$448
Home insurance
$345
FHA mortgage insurance (MIP)
$366
You need at least $28,956 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 $6,662; principal and interest $5,503.
The city and its county
Camarillo and Ventura County
Camarillo is in Ventura 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).
Camarillo
Map of Ventura County, California, with Camarillo marked. Around it, the neighboring counties.
Camarillo
Ventura County
Other cities with a page
Camarillo's own numbers
Typical home value
$827,300
Typical monthly rent
$2,734
Typical yearly household income
$113,428
Households that own their home
65%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ventura County
FHA limit, one-unit home
$1,035,000
Conventional limit, one unit
$1,035,000
HUD fair market rent, 2 bedrooms
$2,424
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.2%
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 Ventura County.
A typical home in Camarillo is worth $827,300: about the same as the county and 13% above California. With the typical household income in Camarillo ($113,428 a year), a typical home costs 7.3 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.
Camarillo7.3 years
Ventura7.5 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ventura County
According to FHFA’s house price index, home prices in Ventura County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ventura County.
Yearly change in FHFA’s price index in Ventura County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +5.3% +5.3% 2017
2018: +4.4% +4.4% 2018
2019: +2.9% +2.9% 2019
2020: +2.3% +2.3% 2020
2021: +11.3% +11.3% 2021
2022: +15.4% +15.4% 2022
2023: +4.1% +4.1% 2023
2024: +5.7% +5.7% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Ventura County, California and the United States
Period
County
California
U.S.
Last year (2025)
+2.0%
+0.8%
+2.9%
5 years (2020–2025)
+44%
+40%
+47%
10 years (2015–2025)
+78%
+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
Camarillo next to Ventura 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
Camarillo$827,300
Ventura$822,700
California$734,700
United States$332,700
Typical monthly rent
Camarillo$2,734
Ventura$2,317
California$2,036
United States$1,413
Typical yearly household income
Camarillo$113,428
Ventura$109,797
California$99,122
United States$80,734
See the full table
Camarillo next to Ventura County and California
Measure
Camarillo
Ventura County
California
U.S.
Typical home value
$827,300
$822,700
$734,700
$332,700
Typical monthly rent
$2,734 ▲18% above the county
$2,317
$2,036
$1,413
Typical yearly household income
$113,428 ▲3% above the county
$109,797
$99,122
$80,734
Households that own their home
65%
65%
56%
65%
Typical yearly property tax
$5,399 ▼3% below the county
$5,574
$5,124
$3,119
Effective property tax rate
0.65% ▼0.03 points below the county
0.68%
0.7%
0.94%
Renters with high rent for their income
63% ▲4 points above the county
59%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ventura 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 Camarillo
For a typical $827,300 home in Camarillo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camarillo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,662a month
Least cash to close
Down payment
$28,956
Cash to close
$53,775
Rate
7.18%
Mortgage insurance
FHA MIP · $366
Conventional, 5% down$6,510a month
Down payment
$41,365
Cash to close
$66,184
Rate
7.18%
Mortgage insurance
PMI · $393
Conventional, 20% down, no PMI$5,276a month
Down payment
$165,460
Cash to close
$190,279
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,041a month
Down payment
$124,095
Cash to close
$148,914
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Camarillo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,662
$28,956
$812,316
7.18%
FHA MIP · $366
$53,775
580
Conventional, 5% down
$6,510
$41,365
$785,935
7.18%
PMI · $393
$66,184
620*
Conventional, 20% down, no PMI
$5,276
$165,460
$661,840
7.18%
None
$190,279
620*
ITIN, 15% down (example)
$6,041
$124,095
$703,205
8.18%
None
$148,914
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 Camarillo is $2,734 a month: 18% above the county. In Camarillo, 63% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ventura County, by unit size. To pay the 2-bedroom one ($2,424 a month) without spending more than 30% of your income, you would need to earn $46.62 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 Ventura County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,827
$35.13
$73,080
1 bedroom
$2,035
$39.13
$81,400
2 bedrooms
$2,424
$46.62
$96,960
3 bedrooms
$3,287
$63.21
$131,480
4 bedrooms
$3,816
$73.38
$152,640
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 Camarillo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camarillo has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,600 in 93010 to $3,120 in 93012.
2 of the 2 are above the fair market rent for Ventura County ($2,424).
Fair market rent by ZIP code and size in Camarillo, fiscal year 2027.
93010
$1,970
$2,190
$2,600
$3,510
$4,070
93012
$2,320
$2,610
$3,120
$4,230
$4,910
ZIP code2 bd3 bd
93010 $2,600$3,510
93012 $3,120$4,230
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Camarillo 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.
There are 2 HUD-approved agencies with an office in Ventura County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Camarillo or Ventura County. The ones below are statewide in California: they work in Camarillo 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 Camarillo or Ventura 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 Camarillo and all of Ventura 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 Camarillo?
The typical home value in Camarillo is $827,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ventura County it is $822,700.
How much does it cost to rent in Camarillo?
Typical rent in Camarillo is $2,734 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ventura County is $2,424.
What is the FHA loan limit in Camarillo?
Camarillo uses the FHA limit for all of Ventura County (2026): $1,035,000 for a one-unit home and $1,990,450 for a four-unit home.
How much property tax do owners pay in Camarillo?
The typical homeowner in Camarillo pays $5,399 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Ventura County, the rate is 0.68%.
Where can I find free help to buy or rent in Camarillo?
There are 2 HUD-approved counseling agencies with an office in Ventura County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
