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City · 13,604 residents · Monterey County, California

King City , California

In King City, a typical home is worth $449,900 and typical rent is $1,534 a month. Compared with all of Monterey County, the typical home value is 42% lower, typical household income is 31% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $449,900

    42% below the county

    39% below California

    • King City
    • Monterey
    • California

  • Typical rent

    $1,534a month

    25% below the county

    25% below California

    • King City
    • Monterey
    • California

  • Typical household income

    $66,761a year

    31% below the county

    33% below California

    • King City
    • Monterey
    • California

  • Households that own their home

    42%

    10 points below the county

    14 points below California

    • King City
    • Monterey
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$530,599
2.4% more than 12 months ago

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

King City 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 King City apart

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

  1. Nearby, in Coalinga, the typical home value is $262,400: 42% less than in King City ($449,900).

  2. The typical home in King City is worth $449,900, 42% less than in Monterey County as a whole ($781,000).

  3. Nearby, in Coalinga, the typical rent is $1,093: 29% less than in King City ($1,534).

  4. The typical household income in King City is $66,761, 31% less than in Monterey County as a whole ($97,230).

  5. The typical rent in King City is $1,534 a month, 25% less than in Monterey County as a whole ($2,055).

  6. 42% of households in King City own their home, against 52% in Monterey County.

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

The homes here

Housing in King City

What homes there are in King City, 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

As in Monterey County, most homes in King City are detached houses (62%).

Year built

Homes in King City are newer: the typical year built is 1988; in Monterey County, 1976.

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

$2,170 a month

Monterey County: $2,832 a month

Without a mortgage

$534 a month

Monterey County: $785 a month

Owners with a mortgage

52%

Monterey County: 63%

In King City, 52% of owners have a mortgage, and their typical cost is $2,170 a month, against $2,832 in Monterey County. Without one it drops to $534.

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

Since 2015–2019, homes in King City gained value faster than in Monterey County: 78% against 51%.

The typical rent in King City rose 34% over the same time; in Monterey County, it rose 38%.

To compare: typical income in King City rose 35%; the home, +78%; the rent, +34%.

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

MeasureKing CityMonterey 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 25.9%15.0%8.2%3.4%
People per household 4.183.162.842.53
Drive alone 69%70%66%69%
Carpool 11%10%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate10%17%15%
Other means 13%6%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In King City, 25.9% of households live with more than one person per room, against 15.0% in Monterey County.

More people live in each home here: 4.18 on average, against 3.16 in Monterey County.

The car rules in King City: 69% 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 King City?

A typical home costs more than the typical income allows

We start with a typical home in King City, worth $449,900, 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 King City, which is $66,761 a year. For that payment to be 28% of income, a household would need to earn about $154,135 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 King City. 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 $15,747 (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

$3,596

at 7.18% · 30 years

Loan amount
$441,751
Total interest
$635,576
Paid off in
November 2056

Includes $7,598 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,558 a month

  • Tight

    $1,558 to $2,003 a month

  • Hard

    more than $2,003 a month

    Your payment · 65%

Compared with the typical household income in King City ($66,761 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,596
Principal & interest$2,993
Property tax$217
Home insurance$188
FHA mortgage insurance (MIP)$199

You need at least $15,747 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

King City and Monterey County

King City 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).

King City's own numbers

Typical home value
$449,900
Typical monthly rent
$1,534
Typical yearly household income
$66,761
Households that own their home
42%
Effective property tax rate
0.58%

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 King City

A typical home in King City is worth $449,900: 42% below the county and 39% below California. With the typical household income in King City ($66,761 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.

  • King City 6.7 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

King City 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
  • King City $449,900
  • Monterey $781,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • King City $1,534
  • Monterey $2,055
  • California $2,036
  • United States $1,413
Typical yearly household income
  • King City $66,761
  • Monterey $97,230
  • California $99,122
  • United States $80,734
See the full table
King City next to Monterey County and California
Measure King City Monterey County California U.S.
Typical home value $449,900 $781,000 $734,700 $332,700
Typical monthly rent $1,534 $2,055 $2,036 $1,413
Typical yearly household income $66,761 $97,230 $99,122 $80,734
Households that own their home 42% 52% 56% 65%
Typical yearly property tax $2,607 $4,910 $5,124 $3,119
Effective property tax rate 0.58% 0.63% 0.7% 0.94%
Renters with high rent for their income 64% 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 King City

For a typical $449,900 home in King City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, King City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,596a month

    Least cash to close
    Down payment
    $15,747
    Cash to close
    $29,244
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $199

  • Conventional, 5% down $3,514a month

    Down payment
    $22,495
    Cash to close
    $35,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $2,843a month

    Down payment
    $89,980
    Cash to close
    $103,477
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,259a month

    Down payment
    $67,485
    Cash to close
    $80,982
    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 King City and for Monterey County.

Property tax

Effective rate in King City

0.58%of the home’s value each year

$2,607 a year for the typical owner in King City.

  • King City 0.58%
  • 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 King City

Typical rent in King City is $1,534 a month: 25% below the county. In King City, 64% 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 King City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). King City is in ZIP code 93930.

For 2 bedrooms it is $2,620: $204 more than the fair market rent for Monterey County ($2,416).

  • 93930 $2,620$3,550

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

HUD lists 2 buildings with rents for lower incomes in King City. These are the largest.

  • King's Station 1245 Bedford Ave, King City 93930 57 homes, 56 low-income · 1 bd: 24 · 2 bd: 8 · 3 bd: 25 · In service since 2014 · For families
  • Villa San Miguel 1201 Amherst Dr, King City 93930 50 low-income homes · 2 bd: 10 · 3 bd: 24 · 4 bd: 16 · In service since 1995 · For families

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

Free help

Help to buy or rent in King City

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in King City

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

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

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 80 miles away

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

  • Community Housing Council of Fresno

    2560 W Shaw Ln Ste 101, Fresno · 83 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (559) 221-6919

  • Fresno Interdenominational Refugee Ministries

    1940 N Fresno St, Fresno · 84 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (559) 487-1500

All counseling agencies in California

Help in Spanish near King City

1 of the 3 agencies on this list says it serves 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 King City

HUD’s record names them for King City 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 King City, 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 King City.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about King City

Short answers with the numbers for King City 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 King City?

The typical home value in King City is $449,900, 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 King City?

Typical rent in King City is $1,534 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 King City?

King City 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 King City?

The typical homeowner in King City pays $2,607 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Monterey County, the rate is 0.63%.

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

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).