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City · 12,643 residents · Tulare County, California

Lindsay , California

In Lindsay, a typical home is worth $286,400 and typical rent is $1,009 a month. Compared with all of Tulare County, typical household income is 25% lower, typical rent is 21% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $286,400

    13% below the county

    61% below California

    • Lindsay
    • Tulare
    • California

  • Typical rent

    $1,009a month

    21% below the county

    50% below California

    • Lindsay
    • Tulare
    • California

  • Typical household income

    $53,201a year

    25% below the county

    46% below California

    • Lindsay
    • Tulare
    • California

  • Households that own their home

    50%

    9 points below the county

    6 points below California

    • Lindsay
    • Tulare
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$306,849
3.8% more than 12 months ago

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

Lindsay is in Tulare 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 Tulare County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lindsay apart

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

  1. Lindsay has the 14th lowest typical rent of the 648 cities in California with more than 5,000 people ($1,009).

  2. The typical household income in Lindsay is $53,201, 25% less than in Tulare County as a whole ($71,300).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Lindsay rose 3.8%; in California, it rose 0.6%.

  4. 50% of households in Lindsay own their home, against 58% in Tulare County.

  5. Lindsay has the 49th lowest typical home value of the 654 cities in California with more than 5,000 people ($286,400).

  6. 15% of households in Lindsay have no internet at home (8% in Tulare County).

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

The homes here

Housing in Lindsay

What homes there are in Lindsay, 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 houses are the majority in Lindsay (68%), but less so than in Tulare County (75%).

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

$1,565 a month

Tulare County: $1,868 a month

Without a mortgage

$623 a month

Tulare County: $569 a month

Owners with a mortgage

67%

Tulare County: 65%

In Lindsay, 67% of owners have a mortgage, and their typical cost is $1,565 a month, against $1,868 in Tulare County. Without one it drops to $623.

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 Lindsay gained value faster than in Tulare County: 101% against 61%.

The typical rent in Lindsay rose 33% since 2015–2019, about the same as in Tulare County (36%).

The typical household income in Lindsay rose 69% over that time; home values changed +101% and rent +33%.

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

MeasureLindsayTulare CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 19.6%10.4%8.2%3.4%
People per household 3.463.302.842.53
Drive alone 71%77%66%69%
Carpool 20%14%10%9%
Public transit Unreliable estimate0%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate6%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 19.6% of households in Lindsay live, more than in Tulare County (10.4%).

A household in Lindsay has 3.46 people on average, about the same as in Tulare County (3.30).

In Lindsay, 20% of workers share a car to get to work; in Tulare County, 14%.

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 Lindsay?

A typical home costs more than the typical income allows

We start with a typical home in Lindsay, worth $286,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Lindsay, which is $53,201 a year. For that payment to be 28% of income, a household would need to earn about $99,859 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lindsay. 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 $10,024 (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

$2,330

at 7.18% · 30 years

Loan amount
$281,213
Total interest
$404,599
Paid off in
November 2056

Includes $4,837 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,241 a month

  • Tight

    $1,241 to $1,596 a month

  • Hard

    more than $1,596 a month

    Your payment · 53%

Compared with the typical household income in Lindsay ($53,201 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,330
Principal & interest$1,905
Property tax$179
Home insurance$119
FHA mortgage insurance (MIP)$127

You need at least $10,024 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

Lindsay and Tulare County

Lindsay is in Tulare 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).

Lindsay's own numbers

Typical home value
$286,400
Typical monthly rent
$1,009
Typical yearly household income
$53,201
Households that own their home
50%
Effective property tax rate
0.75%

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

Numbers for all of Tulare County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,450
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
14%

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 Tulare County.

Everything about Tulare County

Buying

Buying a home in Lindsay

A typical home in Lindsay is worth $286,400: 13% below the county and 61% below California. With the typical household income in Lindsay ($53,201 a year), a typical home costs 5.4 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.

  • Lindsay 5.4 years
  • Tulare 4.6 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tulare County

According to FHFA’s house price index, home prices in Tulare County rose 102% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +3.8% +0.8% +2.9%
5 years (2020–2025) +53% +40% +47%
10 years (2015–2025) +102% +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

Lindsay next to Tulare 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
  • Lindsay $286,400
  • Tulare $330,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Lindsay $1,009
  • Tulare $1,280
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Lindsay $53,201
  • Tulare $71,300
  • California $99,122
  • United States $80,734
See the full table
Lindsay next to Tulare County and California
Measure Lindsay Tulare County California U.S.
Typical home value $286,400 $330,100 $734,700 $332,700
Typical monthly rent $1,009 $1,280 $2,036 $1,413
Typical yearly household income $53,201 $71,300 $99,122 $80,734
Households that own their home 50% 58% 56% 65%
Typical yearly property tax $2,136 $2,318 $5,124 $3,119
Effective property tax rate 0.75% 0.7% 0.7% 0.94%
Renters with high rent for their income 49% 50% 55% 51%

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

For a typical $286,400 home in Lindsay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lindsay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,330a month

    Least cash to close
    Down payment
    $10,024
    Cash to close
    $18,616
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $127

  • Conventional, 5% down $2,278a month

    Down payment
    $14,320
    Cash to close
    $22,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $136

  • Conventional, 20% down, no PMI $1,850a month

    Down payment
    $57,280
    Cash to close
    $65,872
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,115a month

    Down payment
    $42,960
    Cash to close
    $51,552
    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 Lindsay and for Tulare County.

Property tax

Effective rate in Lindsay

0.75%of the home’s value each year

$2,136 a year for the typical owner in Lindsay.

  • Lindsay 0.75%
  • Tulare 0.7%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Tulare County

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

Homes in the high-risk zone
14%
18,585
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 14% 2.8% 3.5%
Of those, with NFIP insurance 20% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lindsay

Typical rent in Lindsay is $1,009 a month: 21% below the county. In Lindsay, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tulare County, by unit size. To pay the 2-bedroom one ($1,450 a month) without spending more than 30% of your income, you would need to earn $27.88 an hour working full time.

HUD fair market rent for all of Tulare 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 $1,101 $21.17 $44,040
1 bedroom $1,108 $21.31 $44,320
2 bedrooms $1,450 $27.88 $58,000
3 bedrooms $1,995 $38.37 $79,800
4 bedrooms $2,338 $44.96 $93,520

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 Lindsay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lindsay is in ZIP code 93247.

For 2 bedrooms it is $1,330: $120 less than the fair market rent for Tulare County ($1,450).

  • 93247 $1,330$1,830

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

HUD lists 10 buildings with rents for lower incomes in Lindsay. These are the largest.

  • Harvard Court Apt Homes Phase I 328 S Harvard Ave, Lindsay 93247 81 homes, 80 low-income · 2 bd: 23 · 3 bd: 32 · 4 bd: 26 · In service since 2007 · For families
  • The Groves at Lindsay 187 S Westwood Ave, Lindsay 93247 73 homes, 72 low-income · 1 bd: 58 · 2 bd: 15 · In service since 2011 · For older adults
  • Lindsay Family Apts 151 N Westwood Ave, Lindsay 93247 61 homes, 60 low-income · 2 bd: 1 · 3 bd: 28 · 4 bd: 32 · In service since 2005 · For families
  • Lindsay Apts 470 E Honolulu St, Lindsay 93247 60 homes, 59 low-income · 1 bd: 28 · 2 bd: 28 · 3 bd: 4 · In service since 2011
  • Liberty Family Apts 548 E Honolulu St, Lindsay 93247 43 homes, 42 low-income · 2 bd: 22 · 3 bd: 9 · 4 bd: 12 · In service since 2008 · For families

See all 92 buildings in Tulare County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lindsay

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 Tulare County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Lindsay

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

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

  • Community Services and Employment Training, Inc. (CSET)

    312 NW 3rd Ave, Visalia · 14 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 1 more
    (559) 732-4194

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 19 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (559) 802-1664

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 54 miles away

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

Every agency in Tulare County All counseling agencies in California

Help in Spanish near Lindsay

None 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 Lindsay

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

  • Tulare County Housing Authority Public housing and Section 8 vouchers (559) 627-3700

All housing agencies in California Source: HUD

Cities

Other cities in Tulare County

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

Everything about Tulare County Housing in California

Nearby cities

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

Neighboring counties

If Tulare 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 Lindsay.

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

Questions

Housing questions about Lindsay

Short answers with the numbers for Lindsay and all of Tulare 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 Lindsay?

The typical home value in Lindsay is $286,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tulare County it is $330,100.

How much does it cost to rent in Lindsay?

Typical rent in Lindsay is $1,009 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tulare County is $1,450.

What is the FHA loan limit in Lindsay?

Lindsay uses the FHA limit for all of Tulare 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 Lindsay?

The typical homeowner in Lindsay pays $2,136 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Tulare County, the rate is 0.7%.

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

There are 2 HUD-approved counseling agencies with an office in Tulare County. 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).