City · 545,970 residents · Fresno County, California
Fresno, California
In Fresno, a typical home is worth $374,800 and typical rent is $1,421 a month. Compared with all of Fresno County, the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $328,613 to $384,885.
Typical rent
$1,945a month
▲ 3.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,585 to $1,945.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fresno is in Fresno County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Fresno County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Mayfair, the typical home value is $283,300: 24% less than in Fresno ($374,800).
2
50% of households in Fresno own their home, against 56% in Fresno County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fresno
What homes there are in Fresno, 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
Fresno
Fresno County
California
United States
Kind of home: Fresno and its comparisons
Measure
Fresno
Fresno County
California
United States
Detached house
61%
68%
57%
61%
Attached house
3%
3%
7%
6%
Building of 2 to 4
11%
9%
8%
8%
Apartments (5 or more)
22%
16%
24%
19%
Mobile home
3%
4%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is still the most common home in Fresno, but it weighs less than in Fresno County: 61% against 68%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fresno
Fresno County
California
United States
Year built: Fresno and its comparisons
Measure
Fresno
Fresno County
California
United States
Before 1960
21%
20%
27%
26%
1960–1979
28%
27%
29%
24%
1980–1999
28%
27%
25%
25%
2000–2009
14%
15%
11%
14%
2010 or later
10%
11%
8%
11%
In Fresno, half of the homes were built before 1980; in Fresno County, before 1982.
Homes in Fresno are smaller: 58% have 3 bedrooms or more; in Fresno County, 64%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K6%
$200K–$300K18%
$300K–$500K49%
$500K–$750K15%
FHA limit: $541,287
$750K–$1M3%
$1M or more3%
Value of owner-occupied homes: Fresno and its comparisons
Measure
Fresno
Under $100K
6%
$100K–$200K
6%
$200K–$300K
18%
$300K–$500K
49%
$500K–$750K
15%
$750K–$1M
3%
$1M or more
3%
About 81% of owner-occupied homes in Fresno are worth less than the FHA loan limit for Fresno County ($541,287).
Monthly rent with utilities
Under the limitOver the limit
Under $5005%
$500–$99916%
$1,000–$1,49935%
$1,500–$1,99925%
HUD fair market rent, 2 bedrooms: $1,685
$2,000–$2,49913%
$2,500–$2,9995%
$3,000 or more3%
Monthly rent with utilities: Fresno and its comparisons
Measure
Fresno
Under $500
5%
$500–$999
16%
$1,000–$1,499
35%
$1,500–$1,999
25%
$2,000–$2,499
13%
$2,500–$2,999
5%
$3,000 or more
3%
HUD's 2-bedroom fair market rent (FMR) for Fresno County is $1,685: about 65% of rents in Fresno are below it.
With a mortgage
$1,981 a month
Fresno County: $2,065 a month
Without a mortgage
$657 a month
Fresno County: $673 a month
Owners with a mortgage
66%
Fresno County: 66%
In Fresno, 66% of owners have a mortgage; their typical cost is $1,981 a month, about the same as in Fresno County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fresno+55%
Fresno County+53%
California+46%
United States+53%
Typical rent
Fresno+41%
Fresno County+40%
California+36%
United States+33%
Typical household income
Fresno+41%
Fresno County+38%
California+32%
United States+29%
Change since 2015–2019: Fresno and its comparisons
Measure
Fresno
Fresno County
California
United States
Typical home value
+55%
+53%
+46%
+53%
Typical rent
+41%
+40%
+36%
+33%
Typical household income
+41%
+38%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Fresno rose at about the same pace as in Fresno County: 55% against 53%.
Rents in Fresno rose at about the same pace as in Fresno County: 41% since 2015–2019, against 40%.
The typical household income in Fresno rose 41% over that time; home values changed +55% and rent +41%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fresno and its comparisons
Measure
Fresno
Fresno County
California
United States
Rental vacancy
3.1%
3.1%
4.2%
5.5%
Homeowner vacancy
0.7%
0.8%
0.8%
0.9%
More than one person per room
12.4%
10.7%
8.2%
3.4%
People per household
2.97
3.07
2.84
2.53
Drive alone
72%
73%
66%
69%
Carpool
12%
12%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
11%
10%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Fresno, the rental vacancy rate is 3.1%, about the same as in Fresno County.
More than one person per room: that is how 12.4% of households in Fresno live, more than in Fresno County (10.7%).
A household in Fresno has 2.97 people on average, about the same as in Fresno County (3.07).
To get to work, 72% of workers in Fresno drive alone; in Fresno County, 73%.
Do the math
What would you pay each month for a home in Fresno?
A typical home costs more than the typical income allows
We start with a typical home in Fresno, worth $374,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Fresno, which is $70,991 a year. For that payment to be 28% of income, a household would need to earn about $130,413 a year.
The calculator's FHA and conventional loan limits are those of all of Fresno 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 Fresno. 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 $13,118 (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
$3,043
at 7.18% · 30 years
Loan amount
$368,011
Total interest
$529,482
Paid off in
November 2056
Includes $6,329 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,656 a month
Tight
$1,656 to $2,130 a month
Hard
more than $2,130 a month
Your payment · 51%
Compared with the typical household income in Fresno ($70,991 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,493
Property tax
$228
Home insurance
$156
FHA mortgage insurance (MIP)
$166
You need at least $13,118 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 $3,043; principal and interest $2,493.
The city and its county
Fresno and Fresno County
Fresno is in Fresno 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).
Fresno
Map of Fresno County, California, with Fresno marked. Around it, the neighboring counties.
Fresno
Fresno County
Other cities with a page
Fresno's own numbers
Typical home value
$374,800
Typical monthly rent
$1,421
Typical yearly household income
$70,991
Households that own their home
50%
Effective property tax rate
0.73%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fresno County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,685
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%
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 Fresno County.
A typical home in Fresno is worth $374,800: 4% below the county and 49% below California. With the typical household income in Fresno ($70,991 a year), a typical home costs 5.3 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.
Fresno5.3 years
County5.2 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fresno County
According to FHFA’s house price index, home prices in Fresno County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fresno County.
Yearly change in FHFA’s price index in Fresno County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +7.9% +7.9% 2017
2018: +7.0% +7.0% 2018
2019: +4.5% +4.5% 2019
2020: +4.2% +4.2% 2020
2021: +15.0% +15.0% 2021
2022: +17.3% +17.3% 2022
2023: +2.9% +2.9% 2023
2024: +5.3% +5.3% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Fresno County, California and the United States
Period
County
California
U.S.
Last year (2025)
+2.3%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+40%
+47%
10 years (2015–2025)
+98%
+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
Fresno next to Fresno 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
Fresno$374,800
County$388,800
California$734,700
United States$332,700
Typical monthly rent
Fresno$1,421
County$1,392
California$2,036
United States$1,413
Typical yearly household income
Fresno$70,991
County$74,201
California$99,122
United States$80,734
See the full table
Fresno next to Fresno County and California
Measure
Fresno
Fresno County
California
U.S.
Typical home value
$374,800 ▼4% below the county
$388,800
$734,700
$332,700
Typical monthly rent
$1,421 ▲2% above the county
$1,392
$2,036
$1,413
Typical yearly household income
$70,991 ▼4% below the county
$74,201
$99,122
$80,734
Households that own their home
50% ▼5 points below the county
56%
56%
65%
Typical yearly property tax
$2,723 ▼5% below the county
$2,861
$5,124
$3,119
Effective property tax rate
0.73% ▼0.01 points below the county
0.74%
0.7%
0.94%
Renters with high rent for their income
58% ▲3 points above the county
56%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fresno 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 Fresno
For a typical $374,800 home in Fresno, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fresno's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,043a month
Least cash to close
Down payment
$13,118
Cash to close
$24,362
Rate
7.18%
Mortgage insurance
FHA MIP · $166
Conventional, 5% down$2,974a month
Down payment
$18,740
Cash to close
$29,984
Rate
7.18%
Mortgage insurance
PMI · $178
Conventional, 20% down, no PMI$2,415a month
Down payment
$74,960
Cash to close
$86,204
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,762a month
Down payment
$56,220
Cash to close
$67,464
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fresno
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,043
$13,118
$368,011
7.18%
FHA MIP · $166
$24,362
580
Conventional, 5% down
$2,974
$18,740
$356,060
7.18%
PMI · $178
$29,984
620*
Conventional, 20% down, no PMI
$2,415
$74,960
$299,840
7.18%
None
$86,204
620*
ITIN, 15% down (example)
$2,762
$56,220
$318,580
8.18%
None
$67,464
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 Fresno is $1,421 a month: 2% above the county. In Fresno, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fresno County, by unit size. To pay the 2-bedroom one ($1,685 a month) without spending more than 30% of your income, you would need to earn $32.40 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 Fresno County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,354
$26.04
$54,160
1 bedroom
$1,363
$26.21
$54,520
2 bedrooms
$1,685
$32.40
$67,400
3 bedrooms
$2,333
$44.87
$93,320
4 bedrooms
$2,671
$51.37
$106,840
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 Fresno
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fresno has 16 ZIP codes with their own.
For 2 bedrooms it runs from $1,500 in 93701 to $2,460 in 93720.
6 of the 16 are above the fair market rent for Fresno County ($1,685).
2-bedroom fair market rent in each of the 16 ZIP codes of Fresno, beside the one for Fresno County. For 2 bedrooms it runs from $1,500 in 93701 to $2,460 in 93720. 6 of the 16 are above the fair market rent for Fresno County ($1,685).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,685
Lowest: $1,500 (93701)Highest: $2,460 (93720)
Fair market rent by ZIP code and size in Fresno, fiscal year 2027.
93650
$1,250
$1,250
$1,550
$2,150
$2,460
93701
$1,220
$1,220
$1,500
$2,090
$2,400
93702
$1,240
$1,250
$1,540
$2,130
$2,440
93703
$1,270
$1,280
$1,580
$2,190
$2,500
93704
$1,520
$1,530
$1,890
$2,620
$3,000
93705
$1,370
$1,370
$1,700
$2,350
$2,700
93710
$1,330
$1,330
$1,650
$2,280
$2,620
93711
$1,680
$1,690
$2,090
$2,890
$3,310
93720
$1,980
$1,990
$2,460
$3,410
$3,900
93721
$1,220
$1,220
$1,500
$2,090
$2,400
93722
$1,420
$1,430
$1,770
$2,450
$2,810
93726
$1,310
$1,320
$1,630
$2,260
$2,580
93727
$1,330
$1,340
$1,660
$2,300
$2,630
93728
$1,280
$1,290
$1,590
$2,200
$2,520
93740
$1,330
$1,330
$1,650
$2,280
$2,620
93741
$1,430
$1,440
$1,780
$2,470
$2,830
ZIP code2 bd3 bd
93650 $1,550$2,150
93701 $1,500$2,090
93702 $1,540$2,130
93703 $1,580$2,190
93704 $1,890$2,620
93705 $1,700$2,350
93710 $1,650$2,280
93711 $2,090$2,890
93720 $2,460$3,410
93721 $1,500$2,090
93722 $1,770$2,450
93726 $1,630$2,260
93727 $1,660$2,300
93728 $1,590$2,200
93740 $1,650$2,280
93741 $1,780$2,470
6 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fresno 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 3 HUD-approved agencies with an office in Fresno County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Fresno or Fresno County. The ones below are statewide in California: they work in Fresno 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 Fresno or Fresno 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 Fresno and all of Fresno 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 Fresno?
The typical home value in Fresno is $374,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fresno County it is $388,800.
How much does it cost to rent in Fresno?
Typical rent in Fresno is $1,421 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fresno County is $1,685.
What is the FHA loan limit in Fresno?
Fresno uses the FHA limit for all of Fresno County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Fresno?
The typical homeowner in Fresno pays $2,723 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Fresno County, the rate is 0.74%.
Where can I find free help to buy or rent in Fresno?
There are 3 HUD-approved counseling agencies with an office in Fresno County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
