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City · 9,846 residents · Madera County, California

Madera Acres , California

In Madera Acres, a typical home is worth $346,800 and typical rent is $1,685 a month. Compared with all of Madera County, typical rent is 21% higher, the typical home value is 12% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $346,800

    12% below the county

    53% below California

    • Madera Acres
    • Madera
    • California

  • Typical rent

    $1,685a month

    21% above the county

    17% below California

    • Madera Acres
    • Madera
    • California

  • Typical household income

    $78,457a year

    2% above the county

    21% below California

    • Madera Acres
    • Madera
    • California

  • Households that own their home

    84%

    17 points above the county

    28 points above California

    • Madera Acres
    • Madera
    • California

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

Madera Acres is in Madera 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 Madera County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Madera Acres apart

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

  1. 84% of households in Madera Acres own their home, against 67% in Madera County.

  2. Nearby, in Chowchilla, the typical rent is $1,178: 30% less than in Madera Acres ($1,685).

  3. The typical rent in Madera Acres is $1,685 a month, 21% more than in Madera County as a whole ($1,390).

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

The homes here

Housing in Madera Acres

What homes there are in Madera Acres, 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

The detached house rules in Madera Acres: 94% of homes, more than in Madera County (80%).

Year built

In Madera Acres, half of the homes were built before 1987; in Madera County, before 1988.

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

$1,741 a month

Madera County: $2,052 a month

Without a mortgage

$581 a month

Madera County: $660 a month

Owners with a mortgage

67%

Madera County: 65%

The typical cost for an owner with a mortgage in Madera Acres is $1,741 a month, less than in Madera County ($2,052); without one, $581.

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

Homes in Madera Acres gained value more slowly than in Madera County: 48% since 2015–2019, against 57%.

Rents in Madera Acres rose more slowly than in Madera County: 31% since 2015–2019, against 37%.

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

MeasureMadera AcresMadera CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimate1.4%0.8%0.9%
More than one person per room 13.4%11.1%8.2%3.4%
People per household 3.863.412.842.53
Drive alone 82%72%66%69%
Carpool 13%12%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate10%17%15%
Other means Unreliable estimate5%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 13.4% of households in Madera Acres live, more than in Madera County (11.1%).

On average, a household in Madera Acres has 3.86 people, more than in Madera County (3.41).

The car rules in Madera Acres: 82% 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 Madera Acres?

A typical home costs more than the typical income allows

We start with a typical home in Madera Acres, worth $346,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Madera Acres, which is $78,457 a year. For that payment to be 28% of income, a household would need to earn about $120,051 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Madera Acres. 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 $12,138 (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

$2,801

at 7.18% · 30 years

Loan amount
$340,519
Total interest
$489,926
Paid off in
November 2056

Includes $5,857 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,831 a month

  • Tight

    $1,831 to $2,354 a month

  • Hard

    more than $2,354 a month

    Your payment · 43%

Compared with the typical household income in Madera Acres ($78,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,801
Principal & interest$2,307
Property tax$197
Home insurance$145
FHA mortgage insurance (MIP)$153

You need at least $12,138 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

Madera Acres and Madera County

Madera Acres is in Madera 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).

Madera Acres's own numbers

Typical home value
$346,800
Typical monthly rent
$1,685
Typical yearly household income
$78,457
Households that own their home
84%
Effective property tax rate
0.68%

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

Numbers for all of Madera County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,460
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
5.9%

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 Madera County.

Everything about Madera County

Buying

Buying a home in Madera Acres

A typical home in Madera Acres is worth $346,800: 12% below the county and 53% below California. With the typical household income in Madera Acres ($78,457 a year), a typical home costs 4.4 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.

  • Madera Acres 4.4 years
  • Madera 5.1 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Madera County

According to FHFA’s house price index, home prices in Madera County rose 105% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +50% +40% +47%
10 years (2015–2025) +105% +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

Madera Acres next to Madera 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
  • Madera Acres $346,800
  • Madera $393,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Madera Acres $1,685
  • Madera $1,390
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Madera Acres $78,457
  • Madera $76,627
  • California $99,122
  • United States $80,734
See the full table
Madera Acres next to Madera County and California
Measure Madera Acres Madera County California U.S.
Typical home value $346,800 $393,200 $734,700 $332,700
Typical monthly rent $1,685 $1,390 $2,036 $1,413
Typical yearly household income $78,457 $76,627 $99,122 $80,734
Households that own their home 84% 67% 56% 65%
Typical yearly property tax $2,345 $2,756 $5,124 $3,119
Effective property tax rate 0.68% 0.7% 0.7% 0.94%
Renters with high rent for their income 61% 57% 55% 51%

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

For a typical $346,800 home in Madera Acres, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Madera Acres's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,801a month

    Least cash to close
    Down payment
    $12,138
    Cash to close
    $22,542
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $153

  • Conventional, 5% down $2,738a month

    Down payment
    $17,340
    Cash to close
    $27,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $165

  • Conventional, 20% down, no PMI $2,220a month

    Down payment
    $69,360
    Cash to close
    $79,764
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,541a month

    Down payment
    $52,020
    Cash to close
    $62,424
    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 Madera Acres and for Madera County.

Property tax

Effective rate in Madera Acres

0.68%of the home’s value each year

$2,345 a year for the typical owner in Madera Acres.

  • Madera Acres 0.68%
  • Madera 0.7%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Madera County

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

Homes in the high-risk zone
5.9%
2,683
Of those, with NFIP insurance
15%
County California U.S.
Homes in the high-risk zone 5.9% 2.8% 3.5%
Of those, with NFIP insurance 15% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Madera Acres

Typical rent in Madera Acres is $1,685 a month: 21% above the county. In Madera Acres, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Madera County, by unit size. To pay the 2-bedroom one ($1,460 a month) without spending more than 30% of your income, you would need to earn $28.08 an hour working full time.

HUD fair market rent for all of Madera 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 $1,264 $24.31 $50,560
1 bedroom $1,272 $24.46 $50,880
2 bedrooms $1,460 $28.08 $58,400
3 bedrooms $2,022 $38.88 $80,880
4 bedrooms $2,440 $46.92 $97,600

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 Madera Acres

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Madera Acres is in ZIP code 93638.

For 2 bedrooms it is $1,440: $20 less than the fair market rent for Madera County ($1,460).

  • 93638 $1,440$1,990

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

Free help

Help to buy or rent in Madera Acres

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 Madera County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Madera Acres

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

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

  • Community Housing Council of Fresno

    2560 W Shaw Ln Ste 101, Fresno · 19 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 · 24 miles away

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

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 24 miles away

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

All counseling agencies in California

Help in Spanish near Madera Acres

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 Madera Acres

In HUD’s record, no housing authority with an office in Madera County is named for Madera Acres or Madera County.

One other authority has an office in Madera County: see the list Source: HUD

Cities

Other cities in Madera County

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

Everything about Madera County Housing in California

Nearby cities

The cities closest to Madera Acres, with the typical home value.

Neighboring counties

If Madera 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 Madera Acres.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Madera Acres

Short answers with the numbers for Madera Acres and all of Madera 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 Madera Acres?

The typical home value in Madera Acres is $346,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Madera County it is $393,200.

How much does it cost to rent in Madera Acres?

Typical rent in Madera Acres is $1,685 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Madera County is $1,460.

What is the FHA loan limit in Madera Acres?

Madera Acres uses the FHA limit for all of Madera 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 Madera Acres?

The typical homeowner in Madera Acres pays $2,345 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Madera County, the rate is 0.7%.

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

We found no HUD-approved counseling agencies with an office in Madera 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).