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City · 6,720 residents · Monterey County, California

Castroville , California

In Castroville, a typical home is worth $617,100 and typical rent is $1,948 a month. Compared with all of Monterey County, the typical home value is 21% lower, typical household income is 8% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $617,100

    21% below the county

    16% below California

    • Castroville
    • Monterey
    • California

  • Typical rent

    $1,948a month

    5% below the county

    4% below California

    • Castroville
    • Monterey
    • California

  • Typical household income

    $89,354a year

    8% below the county

    10% below California

    • Castroville
    • Monterey
    • California

  • Households that own their home

    46%

    7 points below the county

    10 points below California

    • Castroville
    • Monterey
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$677,202
0.5% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Castroville is in Monterey County. The FHA loan limit ($994,750 for a one-unit home), the fair market rents and the help on this page are those of all of Monterey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Castroville apart

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

  1. Nearby, in Prunedale, the typical rent is $1,618: 17% less than in Castroville ($1,948).

  2. The typical home in Castroville is worth $617,100, 21% less than in Monterey County as a whole ($781,000).

  3. 46% of households in Castroville own their home, against 52% in Monterey County.

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

The homes here

Housing in Castroville

What homes there are in Castroville, 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

In Castroville, 6 in 10 homes are single-family detached houses; in Monterey County, 6.

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

With a mortgage

$1,960 a month

Monterey County: $2,832 a month

Without a mortgage

$477 a month

Monterey County: $785 a month

Owners with a mortgage

74%

Monterey County: 63%

Owning costs less in Castroville: with a mortgage, the typical cost is $1,960 a month; in Monterey County, $2,832. Without one, $477.

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

Homes in Castroville gained value more slowly than in Monterey County: 31% since 2015–2019, against 51%.

Rents in Castroville rose faster than in Monterey County: 58% since 2015–2019, against 38%.

The typical household income in Castroville rose 55% over that time; home values changed +31% and rent +58%.

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

MeasureCastrovilleMonterey CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 23.0%15.0%8.2%3.4%
People per household 4.243.162.842.53
Drive alone 76%70%66%69%
Carpool Unreliable estimate10%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 8%10%17%15%
Other means Unreliable estimate6%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Castroville, 23.0% of households live with more than one person per room, against 15.0% in Monterey County.

Households in Castroville are bigger: 4.24 people on average; in Monterey County, 3.16.

The car rules in Castroville: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Castroville?

A typical home costs more than the typical income allows

We start with a typical home in Castroville, worth $617,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Castroville, which is $89,354 a year. For that payment to be 28% of income, a household would need to earn about $210,756 a year.

The calculator's FHA and conventional loan limits are those of all of Monterey County.

Your numbers

Local data
$

Starts at the typical home value in Castroville. 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 $21,599 (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

$4,918

at 7.18% · 30 years

Loan amount
$605,922
Total interest
$871,780
Paid off in
November 2056

Includes $10,421 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,085 a month

  • Tight

    $2,085 to $2,681 a month

  • Hard

    more than $2,681 a month

    Your payment · 66%

Compared with the typical household income in Castroville ($89,354 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,918
Principal & interest$4,105
Property tax$283
Home insurance$257
FHA mortgage insurance (MIP)$273

You need at least $21,599 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

Castroville and Monterey County

Castroville is in Monterey 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).

Castroville's own numbers

Typical home value
$617,100
Typical monthly rent
$1,948
Typical yearly household income
$89,354
Households that own their home
46%
Effective property tax rate
0.55%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Monterey County

FHA limit, one-unit home
$994,750
Conventional limit, one unit
$994,750
HUD fair market rent, 2 bedrooms
$2,416
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
2.8%

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 Monterey County.

Everything about Monterey County

Buying

Buying a home in Castroville

A typical home in Castroville is worth $617,100: 21% below the county and 16% below California. With the typical household income in Castroville ($89,354 a year), a typical home costs 6.9 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.

  • Castroville 6.9 years
  • Monterey 8.0 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monterey County

According to FHFA’s house price index, home prices in Monterey County rose 94% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Monterey County.

Period County California U.S.
Last year (2025) +1.3% +0.8% +2.9%
5 years (2020–2025) +44% +40% +47%
10 years (2015–2025) +94% +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

Castroville next to Monterey 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
  • Castroville $617,100
  • Monterey $781,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Castroville $1,948
  • Monterey $2,055
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Castroville $89,354
  • Monterey $97,230
  • California $99,122
  • United States $80,734
See the full table
Castroville next to Monterey County and California
Measure Castroville Monterey County California U.S.
Typical home value $617,100 $781,000 $734,700 $332,700
Typical monthly rent $1,948 $2,055 $2,036 $1,413
Typical yearly household income $89,354 $97,230 $99,122 $80,734
Households that own their home 46% 52% 56% 65%
Typical yearly property tax $3,392 $4,910 $5,124 $3,119
Effective property tax rate 0.55% 0.63% 0.7% 0.94%
Renters with high rent for their income 52% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Monterey 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 Castroville

For a typical $617,100 home in Castroville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Castroville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,918a month

    Least cash to close
    Down payment
    $21,599
    Cash to close
    $40,112
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $273

  • Conventional, 5% down $4,805a month

    Down payment
    $30,855
    Cash to close
    $49,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $293

  • Conventional, 20% down, no PMI $3,884a month

    Down payment
    $123,420
    Cash to close
    $141,933
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,455a month

    Down payment
    $92,565
    Cash to close
    $111,078
    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 Castroville and for Monterey County.

Property tax

Effective rate in Castroville

0.55%of the home’s value each year

$3,392 a year for the typical owner in Castroville.

  • Castroville 0.55%
  • Monterey 0.63%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Monterey County

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

Homes in the high-risk zone
2.8%
3,063
Of those, with NFIP insurance
23%
County California U.S.
Homes in the high-risk zone 2.8% 2.8% 3.5%
Of those, with NFIP insurance 23% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Castroville

Typical rent in Castroville is $1,948 a month: 5% below the county. In Castroville, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monterey County, by unit size. To pay the 2-bedroom one ($2,416 a month) without spending more than 30% of your income, you would need to earn $46.46 an hour working full time.

HUD fair market rent for all of Monterey 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 $1,956 $37.62 $78,240
1 bedroom $2,009 $38.63 $80,360
2 bedrooms $2,416 $46.46 $96,640
3 bedrooms $3,261 $62.71 $130,440
4 bedrooms $3,551 $68.29 $142,040

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 Castroville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Castroville is in ZIP code 95012.

For 2 bedrooms it is $2,430: $14 more than the fair market rent for Monterey County ($2,416).

  • 95012 $2,430$3,270

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Castroville 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?

Low-income apartments

Low-income apartments in Castroville

HUD lists 5 buildings with rents for lower incomes in Castroville. These are the largest.

  • El Cerrito Townhomes 8811 Vista De Tierra Cir, Castroville 95012 60 homes, 59 low-income · 2 bd: 20 · 3 bd: 36 · 4 bd: 4 · In service since 2001 · For families
  • Sea Garden Apts 10603 Axtell St, Castroville 95012 59 homes, 58 low-income · 2 bd: 32 · 3 bd: 27 · In service since 2013 · For families
  • Cynara Court 10868 Merritt St, Castroville 95012 57 low-income homes · 1 bd: 4 · 2 bd: 34 · 3 bd: 20 · In service since 2011 · For families
  • Castroville Farm Labor Center (FLC) 11220 Haight St, Castroville 95012 54 homes, 44 low-income · 2 bd: 12 · 3 bd: 33 · 4 bd: 9 · In service since 2019 · For families
  • Moro Lindo Townhomes 8700 Sabino Dr, Castroville 95012 30 homes, 29 low-income · 2 bd: 10 · 3 bd: 18 · 4 bd: 2 · In service since 2001 · For families

See all 86 buildings in Monterey County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Castroville

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 Monterey 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 Castroville

No down payment, repair or rent-help program on our list is for Castroville or Monterey County. The ones below are statewide in California: they work in Castroville 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 Castroville

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

  • Santa Clara County Asian Law Alliance

    991 W Hedding St, San Jose · 41 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, Korean, and Vietnamese.

    • Fair housing pre-purchase workshops
    • Homelessness services
    • and 2 more
    (408) 287-9710

  • Habitat for Humanity East Bay/Silicon Valley - Milpitas

    1608 Las Plumas Ave, San Jose · 42 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (510) 803-3362

  • Project Sentinel

    1490 El Camino Real, Santa Clara · 42 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (408) 470-3730

All counseling agencies in California

Help in Spanish near Castroville

2 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 Castroville

HUD’s record names them for Castroville or Monterey County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Monterey Public housing and Section 8 vouchers (831) 775-5000

All housing agencies in California Source: HUD

Cities

Other cities in Monterey County

These cities are also in Monterey County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Monterey County Housing in California

Nearby cities

The cities closest to Castroville, with the typical home value.

Neighboring counties

If Monterey 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 Castroville.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Castroville

Short answers with the numbers for Castroville and all of Monterey 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 Castroville?

The typical home value in Castroville is $617,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monterey County it is $781,000.

How much does it cost to rent in Castroville?

Typical rent in Castroville is $1,948 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monterey County is $2,416.

What is the FHA loan limit in Castroville?

Castroville uses the FHA limit for all of Monterey County (2026): $994,750 for a one-unit home and $1,913,000 for a four-unit home.

How much property tax do owners pay in Castroville?

The typical homeowner in Castroville pays $3,392 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Monterey County, the rate is 0.63%.

Where can I find free help to buy or rent in Castroville?

We found no HUD-approved counseling agencies with an office in Monterey 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).