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City · 12,854 residents · Marin County, California

Larkspur , California

In Larkspur, a typical home is worth $1,996,600 and typical rent is $3,001 a month. Compared with all of Marin County, the typical home value is 32% higher, typical rent is 12% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $1,996,600

    32% above the county

    172% above California

    • Larkspur
    • Marin
    • California

  • Typical rent

    $3,001a month

    12% above the county

    47% above California

    • Larkspur
    • Marin
    • California

  • Typical household income

    $140,417a year

    6% below the county

    42% above California

    • Larkspur
    • Marin
    • California

  • Households that own their home

    47%

    18 points below the county

    9 points below California

    • Larkspur
    • Marin
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$2,179,567
9.4% more than 12 months ago
Typical rent
$4,469 a month
23.9% more than 12 months ago

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

Larkspur is in Marin County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Marin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Larkspur apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Larkspur rose 9.4%; in California, it rose 0.6%.

  2. 47% of households in Larkspur own their home, against 65% in Marin County.

  3. Nearby, in San Rafael, the typical home value is $1,355,600: 32% less than in Larkspur ($1,996,600).

  4. The typical home in Larkspur is worth $1,996,600, 32% more than in Marin County as a whole ($1,507,300).

  5. Nearby, in San Rafael, the typical rent is $2,377: 21% less than in Larkspur ($3,001).

  6. Larkspur has the 65th highest typical rent of the 648 cities in California with more than 5,000 people ($3,001).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Larkspur

What homes there are in Larkspur, 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 Larkspur, the apartment is the most common kind of home: 45%, against 19% in Marin County.

Year built

The typical year built in Larkspur is 1970, about the same as in Marin County (1967).

There are fewer big homes in Larkspur than in Marin County: 47% have 3 bedrooms or more, against 59%.

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

Without a mortgage

$1,389 a month

Marin County: $1,315 a month

Owners with a mortgage

64%

Marin County: 67%

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

From 2015–2019 to 2020–2024, home values in Larkspur rose at about the same pace as in Marin County: 53% against 51%.

Since 2015–2019, the typical rent in Larkspur rose 44%, more than in Marin County (29%).

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

MeasureLarkspurMarin CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate4.4%8.2%3.4%
People per household 2.112.442.842.53
Drive alone 53%52%66%69%
Carpool Unreliable estimate7%10%9%
Public transit 4%4%3%3%
Walk or bike 5%5%3%3%
Work from home 33%32%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Larkspur has 2.11 people, fewer than in Marin County (2.44).

To get to work, 53% of workers in Larkspur drive alone; in Marin County, 52%.

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 Larkspur?

A typical home costs more than the typical income allows

We start with a typical home in Larkspur, worth $1,996,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 138% of the typical household income in Larkspur, which is $140,417 a year. For that payment to be 28% of income, a household would need to earn about $692,088 a year. Note: at that price the loan is above the FHA limit for Marin County ($1,249,125), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Larkspur. 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 $69,881 (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

$16,149

at 7.18% · 30 years

Loan amount
$1,960,437
Total interest
$2,820,608
Paid off in
November 2056

Includes $33,718 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,276 a month

  • Tight

    $3,276 to $4,213 a month

  • Hard

    more than $4,213 a month

    Your payment · 138%

Compared with the typical household income in Larkspur ($140,417 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$16,149
Principal & interest$13,281
Property tax$832
Home insurance$832
FHA mortgage insurance (MIP)$1,204

This loan is over the FHA limit

You'd borrow $1,926,719, but the FHA limit for a one-unit home in Larkspur is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $69,881 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

Larkspur and Marin County

Larkspur is in Marin 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).

Larkspur's own numbers

Typical home value
$1,996,600
Typical monthly rent
$3,001
Typical yearly household income
$140,417
Households that own their home
47%
Effective property tax rate
0.5%

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

Numbers for all of Marin County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,697
Price change over 5 years (FHFA)
+25%
Homes in a high flood-risk zone
12%

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 Marin County.

Everything about Marin County

Buying

Buying a home in Larkspur

A typical home in Larkspur is worth $1,996,600: 32% above the county and 172% above California. With the typical household income in Larkspur ($140,417 a year), a typical home costs 14.2 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.

  • Larkspur 14.2 years
  • Marin 10.1 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marin County

According to FHFA’s house price index, home prices in Marin County rose 45% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.8% +0.8% +2.9%
5 years (2020–2025) +25% +40% +47%
10 years (2015–2025) +45% +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

Larkspur next to Marin 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
  • Larkspur $1,996,600
  • Marin $1,507,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Larkspur $3,001
  • Marin $2,668
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Larkspur $140,417
  • Marin $149,091
  • California $99,122
  • United States $80,734
See the full table
Larkspur next to Marin County and California
Measure Larkspur Marin County California U.S.
Typical home value $1,996,600 $1,507,300 $734,700 $332,700
Typical monthly rent $3,001 $2,668 $2,036 $1,413
Typical yearly household income $140,417 $149,091 $99,122 $80,734
Households that own their home 47% 65% 56% 65%
Typical yearly property tax $10,001 $10,001 $5,124 $3,119
Effective property tax rate 0.5% 0.66% 0.7% 0.94%
Renters with high rent for their income 53% 56% 55% 51%

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

For a typical $1,996,600 home in Larkspur, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Larkspur's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $16,149a month

    Above the FHA limit for Marin County ($1,249,125)
    Down payment
    $69,881
    Cash to close
    $129,779
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $1,204

  • Conventional, 5% down $15,462a month

    Above the conventional limit for Marin County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $99,830
    Cash to close
    $159,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $948

  • Conventional, 20% down, no PMI $12,484a month

    Above the conventional limit for Marin County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $399,320
    Cash to close
    $459,218
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $14,330a month

    Down payment
    $299,490
    Cash to close
    $359,388
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Larkspur and for Marin County.

Property tax

Effective rate in Larkspur

0.5%of the home’s value each year

$10,001 a year for the typical owner in Larkspur.

  • Larkspur 0.5%
  • Marin 0.66%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Marin County

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

Homes in the high-risk zone
12%
9,823
Of those, with NFIP insurance
38%
County California U.S.
Homes in the high-risk zone 12% 2.8% 3.5%
Of those, with NFIP insurance 38% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Larkspur

Typical rent in Larkspur is $3,001 a month: 12% above the county. In Larkspur, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marin County, by unit size. To pay the 2-bedroom one ($3,697 a month) without spending more than 30% of your income, you would need to earn $71.10 an hour working full time.

HUD fair market rent for all of Marin 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 $2,574 $49.50 $102,960
1 bedroom $3,003 $57.75 $120,120
2 bedrooms $3,697 $71.10 $147,880
3 bedrooms $4,832 $92.92 $193,280
4 bedrooms $5,439 $104.60 $217,560

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 Larkspur

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Larkspur has 2 ZIP codes with their own.

For 2 bedrooms it runs from $3,410 in 94904 to $4,170 in 94939.

1 of the 2 is above the fair market rent for Marin County ($3,697).

  • 94904 $3,410$4,460
  • 94939 $4,170$5,450

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Larkspur 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 Larkspur

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

  • Edgewater Place II 10 Edgewater Pl, Larkspur 94939 28 homes, 27 low-income · 1 bd: 8 · 2 bd: 16 · 3 bd: 4 · In service since 2007 · For families
  • Drake's Way Apts Drake's Way, Larkspur 94939 24 homes, 23 low-income · 1 bd: 4 · 2 bd: 12 · 3 bd: 8 · In service since 2009 · For families

See all 54 buildings in Marin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Larkspur

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 is 1 HUD-approved agency with an office in Marin County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Larkspur

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

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

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

  • Community Housing Development Corporation of North Richmond

    1535 Fred Jackson Way Ste A, Richmond · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 412-9290

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

Every agency in Marin County All counseling agencies in California

Help in Spanish near Larkspur

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 Larkspur

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

  • Housing Authority of County of Marin Public housing and Section 8 vouchers (415) 491-2525

All housing agencies in California Source: HUD

Cities

Other cities in Marin County

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

Everything about Marin County Housing in California

Nearby cities

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

Neighboring counties

If Marin 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 Larkspur.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Larkspur

Short answers with the numbers for Larkspur and all of Marin 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 Larkspur?

The typical home value in Larkspur is $1,996,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marin County it is $1,507,300.

How much does it cost to rent in Larkspur?

Typical rent in Larkspur is $3,001 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marin County is $3,697.

What is the FHA loan limit in Larkspur?

Larkspur uses the FHA limit for all of Marin County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Larkspur?

The typical homeowner in Larkspur pays $10,001 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Marin County, the rate is 0.66%.

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

There is 1 HUD-approved counseling agency with an office in Marin County. 1 says it serves in Spanish. 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).