In Lucas Valley-Marinwood, a typical home is worth $1,445,600 and typical rent is $3,501 a month. Compared with all of Marin County, typical household income is 35% higher, typical rent is 31% higher, and the share of households that own their home is 19 points higher.
Lucas Valley-Marinwood 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
What this place has that others do not, from public data, most unusual first.
1
Lucas Valley-Marinwood has the highest typical rent of the 648 cities in California with more than 5,000 people: $3,501.
2
83% of households in Lucas Valley-Marinwood own their home, against 65% in Marin County.
3
Nearby, in Fairfax, the typical rent is $2,367: 32% less than in Lucas Valley-Marinwood ($3,501).
4
The typical household income in Lucas Valley-Marinwood is $200,761,35% more than in Marin County as a whole ($149,091).
5
Nearby, in Novato, the typical home value is $1,032,500: 29% less than in Lucas Valley-Marinwood ($1,445,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lucas Valley-Marinwood
What homes there are in Lucas Valley-Marinwood, 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
Lucas Valley-Marinwood
Marin County
California
United States
Kind of home: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Marin County
California
United States
Detached house
91%
63%
57%
61%
Attached house
Unreliable estimate
8%
7%
6%
Building of 2 to 4
Unreliable estimate
9%
8%
8%
Apartments (5 or more)
Unreliable estimate
19%
24%
19%
Mobile home
Unreliable estimate
1%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Lucas Valley-Marinwood, 9 in 10 homes are single-family detached houses; in Marin County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lucas Valley-Marinwood
Marin County
California
United States
Year built: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Marin County
California
United States
Before 1960
36%
37%
27%
26%
1960–1979
54%
38%
29%
24%
1980–1999
8%
17%
25%
25%
2000–2009
Unreliable estimate
5%
11%
14%
2010 or later
Unreliable estimate
3%
8%
11%
By age, homes in Lucas Valley-Marinwood look like those in Marin County: the typical year built is 1964.
Homes in Lucas Valley-Marinwood are bigger: 88% have 3 bedrooms or more; in Marin County, 59%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or more80%
Value of owner-occupied homes: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
80%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more68%
Monthly rent with utilities: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
68%
Without a mortgage
$1,343 a month
Marin County: $1,315 a month
Owners with a mortgage
67%
Marin County: 67%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lucas Valley-Marinwood+48%
Marin County+51%
California+46%
United States+53%
Typical household income
Lucas Valley-Marinwood+46%
Marin County+29%
California+32%
United States+29%
Change since 2015–2019: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Marin County
California
United States
Typical home value
+48%
+51%
+46%
+53%
Typical rent
No data
+29%
+36%
+33%
Typical household income
+46%
+29%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lucas Valley-Marinwood rose 48%; in Marin County, it rose 51%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lucas Valley-Marinwood and its comparisons
Measure
Lucas Valley-Marinwood
Marin County
California
United States
Rental vacancy
Unreliable estimate
3.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
4.4%
8.2%
3.4%
People per household
2.56
2.44
2.84
2.53
Drive alone
55%
52%
66%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
4%
3%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
31%
32%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Lucas Valley-Marinwood has 2.56 people on average, about the same as in Marin County (2.44).
In Lucas Valley-Marinwood, 55% of workers drive alone to work; in Marin County, 52%.
Do the math
What would you pay each month for a home in Lucas Valley-Marinwood?
A typical home costs more than the typical income allows
We start with a typical home in Lucas Valley-Marinwood, worth $1,445,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Lucas Valley-Marinwood, which is $200,761 a year. For that payment to be 28% of income, a household would need to earn about $510,902 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.
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 Lucas Valley-Marinwood. 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 $50,596 (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
$11,921
at 7.18% · 30 years
Loan amount
$1,419,417
Total interest
$2,042,207
Paid off in
November 2056
Includes $24,413 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,684 a month
Tight
$4,684 to $6,023 a month
Hard
more than $6,023 a month
Your payment · 71%
Compared with the typical household income in Lucas Valley-Marinwood ($200,761 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$9,616
Property tax
$831
Home insurance
$602
FHA mortgage insurance (MIP)
$872
This loan is over the FHA limit
You'd borrow $1,395,004, but the FHA limit for a one-unit home in Lucas Valley-Marinwood is $1,249,125. You'd need a bigger down payment or a different loan.
You need at least $50,596 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 $11,921; principal and interest $9,616.
The city and its county
Lucas Valley-Marinwood and Marin County
Lucas Valley-Marinwood 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).
Lucas Valley-Marinwood
Map of Marin County, California, with Lucas Valley-Marinwood marked. Around it, the neighboring counties.
Lucas Valley-Marinwood
Marin County
Other cities with a page
Lucas Valley-Marinwood's own numbers
Typical home value
$1,445,600
Typical monthly rent
$3,501
Typical yearly household income
$200,761
Households that own their home
83%
Effective property tax rate
0.69%
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.
A typical home in Lucas Valley-Marinwood is worth $1,445,600: 4% below the county and 97% above California. With the typical household income in Lucas Valley-Marinwood ($200,761 a year), a typical home costs 7.2 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.
Lucas Valley-Marinwood7.2 years
Marin10.1 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Marin County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +2.5% +2.5% 2017
2018: +5.5% +5.5% 2018
2019: +0.2% +0.2% 2019
2020: −2.1% −2.1% 2020
2021: +6.8% +6.8% 2021
2022: +12.5% +12.5% 2022
2023: +3.1% +3.1% 2023
2024: +2.2% +2.2% 2024
2025: −0.8% −0.8% 2025
Change in FHFA’s price index in Marin County, California and the United States
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
Lucas Valley-Marinwood 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
Lucas Valley-Marinwood$1,445,600
Marin$1,507,300
California$734,700
United States$332,700
Typical monthly rent
Lucas Valley-Marinwood$3,501
Marin$2,668
California$2,036
United States$1,413
Typical yearly household income
Lucas Valley-Marinwood$200,761
Marin$149,091
California$99,122
United States$80,734
See the full table
Lucas Valley-Marinwood next to Marin County and California
Measure
Lucas Valley-Marinwood
Marin County
California
U.S.
Typical home value
$1,445,600 ▼4% below the county
$1,507,300
$734,700
$332,700
Typical monthly rent
$3,501 ▲31% above the county
$2,668
$2,036
$1,413
Typical yearly household income
$200,761 ▲35% above the county
$149,091
$99,122
$80,734
Households that own their home
83% ▲19 points above the county
65%
56%
65%
Typical yearly property tax
$10,001
$10,001
$5,124
$3,119
Effective property tax rate
0.69% ▲0.03 points above the county
0.66%
0.7%
0.94%
Renters with high rent for their income
55% ▼1 points below 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 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 Lucas Valley-Marinwood
For a typical $1,445,600 home in Lucas Valley-Marinwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lucas Valley-Marinwood's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$11,921a month
Above the FHA limit for Marin County ($1,249,125)
Down payment
$50,596
Cash to close
$93,964
Rate
7.18%
Mortgage insurance
FHA MIP · $872
Conventional, 5% down$11,424a month
Above the conventional limit for Marin County ($1,249,125): it would be a "jumbo" loan
Down payment
$72,280
Cash to close
$115,648
Rate
7.18%
Mortgage insurance
PMI · $687
Conventional, 20% down, no PMI$9,268a month
Least cash to close
Down payment
$289,120
Cash to close
$332,488
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$10,604a month
Down payment
$216,840
Cash to close
$260,208
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lucas Valley-Marinwood
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Marin County ($1,249,125)
$11,921
$50,596
$1,419,417
7.18%
FHA MIP · $872
$93,964
580
Conventional, 5% down Above the conventional limit for Marin County ($1,249,125): it would be a "jumbo" loan
$11,424
$72,280
$1,373,320
7.18%
PMI · $687
$115,648
620*
Conventional, 20% down, no PMI Least cash to close
$9,268
$289,120
$1,156,480
7.18%
None
$332,488
620*
ITIN, 15% down (example)
$10,604
$216,840
$1,228,760
8.18%
None
$260,208
Set by the lender
The option that asks for the least cash to close is Conventional, 20% down, no PMI.
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 Lucas Valley-Marinwood is $3,501 a month: 31% above the county. In Lucas Valley-Marinwood, 55% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Marin County (Fiscal year 2027)
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 Lucas Valley-Marinwood
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lucas Valley-Marinwood is in ZIP code 94903.
For 2 bedrooms it is $4,350: $653 more than the fair market rent for Marin County ($3,697).
Fair market rent by ZIP code and size in Lucas Valley-Marinwood, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
94903
$3,030
$3,530
$4,350
$5,690
$6,400
ZIP code2 bd3 bd
94903 $4,350$5,690
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lucas Valley-Marinwood 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 is 1 HUD-approved agency with an office in Marin County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Lucas Valley-Marinwood or Marin County. The ones below are statewide in California: they work in Lucas Valley-Marinwood 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).
The HUD-approved agencies closest to the center of Lucas Valley-Marinwood, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
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 Lucas Valley-Marinwood
HUD’s record names them for Lucas Valley-Marinwood or Marin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
Housing Authority of County of MarinPublic housing and Section 8 vouchers(415) 491-2525
No legal help resource on our list is for Lucas Valley-Marinwood or Marin 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 Lucas Valley-Marinwood 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 Lucas Valley-Marinwood?
The typical home value in Lucas Valley-Marinwood is $1,445,600, 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 Lucas Valley-Marinwood?
Typical rent in Lucas Valley-Marinwood is $3,501 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 Lucas Valley-Marinwood?
Lucas Valley-Marinwood 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 Lucas Valley-Marinwood?
The typical homeowner in Lucas Valley-Marinwood pays $10,001 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Marin County, the rate is 0.66%.
Where can I find free help to buy or rent in Lucas Valley-Marinwood?
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.
