City · 22,563 residents · Monterey County, California
Marina, California
In Marina, a typical home is worth $818,700 and typical rent is $2,101 a month. Compared with all of Monterey County, the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $792,591 to $861,175.
Typical rent
$2,873a month
▲ 5.3% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $2,373 to $2,873.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Marina 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Castroville, the typical home value is $617,100: 25% less than in Marina ($818,700).
2
43% of households in Marina own their home, against 52% in Monterey County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Marina
What homes there are in Marina, 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
Marina
Monterey County
California
United States
Kind of home: Marina and its comparisons
Measure
Marina
Monterey County
California
United States
Detached house
52%
63%
57%
61%
Attached house
7%
7%
7%
6%
Building of 2 to 4
13%
9%
8%
8%
Apartments (5 or more)
24%
18%
24%
19%
Mobile home
5%
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Marina, but it weighs less than in Monterey County: 52% against 63%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Marina
Monterey County
California
United States
Year built: Marina and its comparisons
Measure
Marina
Monterey County
California
United States
Before 1960
9%
26%
27%
26%
1960–1979
38%
33%
29%
24%
1980–1999
33%
25%
25%
25%
2000–2009
8%
10%
11%
14%
2010 or later
12%
6%
8%
11%
The typical home in Marina was built in 1981, 5 years after the typical one in Monterey County.
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–$750K22%
$750K–$1M44%
$1M or more18%
Value of owner-occupied homes: Marina and its comparisons
Measure
Marina
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
22%
$750K–$1M
44%
$1M or more
18%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49914%
$1,500–$1,99923%
$2,000–$2,49924%
$2,500–$2,99914%
$3,000 or more17%
Monthly rent with utilities: Marina and its comparisons
Measure
Marina
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
14%
$1,500–$1,999
23%
$2,000–$2,499
24%
$2,500–$2,999
14%
$3,000 or more
17%
With a mortgage
$3,017 a month
Monterey County: $2,832 a month
Without a mortgage
$762 a month
Monterey County: $785 a month
Owners with a mortgage
68%
Monterey County: 63%
In Marina, 68% of owners have a mortgage, and their typical cost is $3,017 a month, against $2,832 in Monterey County. Without one it drops to $762.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Marina+60%
Monterey County+51%
California+46%
United States+53%
Typical rent
Marina+50%
Monterey County+38%
California+36%
United States+33%
Typical household income
Marina+49%
Monterey County+37%
California+32%
United States+29%
Change since 2015–2019: Marina and its comparisons
Measure
Marina
Monterey County
California
United States
Typical home value
+60%
+51%
+46%
+53%
Typical rent
+50%
+38%
+36%
+33%
Typical household income
+49%
+37%
+32%
+29%
The typical home value in Marina rose 60% since 2015–2019, more than in Monterey County (51%).
Since 2015–2019, the typical rent in Marina rose 50%, more than in Monterey County (38%).
The typical household income in Marina rose 49% over that time; home values changed +60% and rent +50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Marina and its comparisons
Measure
Marina
Monterey County
California
United States
Rental vacancy
Unreliable estimate
2.1%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
5.2%
15.0%
8.2%
3.4%
People per household
2.69
3.16
2.84
2.53
Drive alone
67%
70%
66%
69%
Carpool
14%
10%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
3%
3%
3%
3%
Work from home
12%
10%
17%
15%
Other means
Unreliable estimate
6%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 5.2% of households in Marina live, less than in Monterey County (15.0%).
Fewer people live in each home here: 2.69 on average, against 3.16 in Monterey County.
More people carpool to work in Marina than in Monterey County: 14% against 10%.
Do the math
What would you pay each month for a home in Marina?
A typical home costs more than the typical income allows
We start with a typical home in Marina, worth $818,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 83% of the typical household income in Marina, which is $95,955 a year. For that payment to be 28% of income, a household would need to earn about $283,408 a year.
The calculator's FHA and conventional loan limits are those of all of Monterey 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 Marina. 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 $28,655 (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
$6,613
at 7.18% · 30 years
Loan amount
$803,871
Total interest
$1,156,581
Paid off in
November 2056
Includes $13,826 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,239 a month
Tight
$2,239 to $2,879 a month
Hard
more than $2,879 a month
Your payment · 83%
Compared with the typical household income in Marina ($95,955 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,446
Property tax
$464
Home insurance
$341
FHA mortgage insurance (MIP)
$362
You need at least $28,655 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 $6,613; principal and interest $5,446.
The city and its county
Marina and Monterey County
Marina 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).
Marina
Map of Monterey County, California, with Marina marked. Around it, the neighboring counties.
Marina
Monterey County
Other cities with a page
Marina's own numbers
Typical home value
$818,700
Typical monthly rent
$2,101
Typical yearly household income
$95,955
Households that own their home
43%
Effective property tax rate
0.68%
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.
A typical home in Marina is worth $818,700: 5% above the county and 11% above California. With the typical household income in Marina ($95,955 a year), a typical home costs 8.5 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.
Marina8.5 years
Monterey8.0 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Monterey County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +7.0% +7.0% 2017
2018: +5.9% +5.9% 2018
2019: +4.9% +4.9% 2019
2020: +3.2% +3.2% 2020
2021: +13.5% +13.5% 2021
2022: +14.8% +14.8% 2022
2023: +3.3% +3.3% 2023
2024: +5.6% +5.6% 2024
2025: +1.3% +1.3% 2025
Change in FHFA’s price index in Monterey County, California and the United States
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
Marina 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
Marina$818,700
Monterey$781,000
California$734,700
United States$332,700
Typical monthly rent
Marina$2,101
Monterey$2,055
California$2,036
United States$1,413
Typical yearly household income
Marina$95,955
Monterey$97,230
California$99,122
United States$80,734
See the full table
Marina next to Monterey County and California
Measure
Marina
Monterey County
California
U.S.
Typical home value
$818,700 ▲5% above the county
$781,000
$734,700
$332,700
Typical monthly rent
$2,101 ▲2% above the county
$2,055
$2,036
$1,413
Typical yearly household income
$95,955
$97,230
$99,122
$80,734
Households that own their home
43% ▼9 points below the county
52%
56%
65%
Typical yearly property tax
$5,568 ▲13% above the county
$4,910
$5,124
$3,119
Effective property tax rate
0.68% ▲0.05 points above the county
0.63%
0.7%
0.94%
Renters with high rent for their income
49% ▼7 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 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 Marina
For a typical $818,700 home in Marina, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Marina's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,613a month
Least cash to close
Down payment
$28,655
Cash to close
$53,216
Rate
7.18%
Mortgage insurance
FHA MIP · $362
Conventional, 5% down$6,463a month
Down payment
$40,935
Cash to close
$65,496
Rate
7.18%
Mortgage insurance
PMI · $389
Conventional, 20% down, no PMI$5,242a month
Down payment
$163,740
Cash to close
$188,301
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,999a month
Down payment
$122,805
Cash to close
$147,366
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Marina
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,613
$28,655
$803,871
7.18%
FHA MIP · $362
$53,216
580
Conventional, 5% down
$6,463
$40,935
$777,765
7.18%
PMI · $389
$65,496
620*
Conventional, 20% down, no PMI
$5,242
$163,740
$654,960
7.18%
None
$188,301
620*
ITIN, 15% down (example)
$5,999
$122,805
$695,895
8.18%
None
$147,366
Set by the lender
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.
Typical rent in Marina is $2,101 a month: 2% above the county. In Marina, 49% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Monterey County (Fiscal year 2027)
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 Marina
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Marina is in ZIP code 93933.
For 2 bedrooms it is $2,430: $14 more than the fair market rent for Monterey County ($2,416).
Fair market rent by ZIP code and size in Marina, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
93933
$1,970
$2,020
$2,430
$3,270
$3,560
ZIP code2 bd3 bd
93933 $2,430$3,270
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Marina 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)
HUD lists 5 buildings with rents for lower incomes in Marina. These are the largest.
University Village Apts301 9th St, Marina 93933108 homes, 107 low-income · 1 bd: 14 · 2 bd: 56 · 3 bd: 38 · In service since 2014 · For families
Junsay Oaks Senior Apartments3098 De Forest Rd, Marina 9393347 homes, 46 low-income · 1 bd: 47 · In service since 2019 · For older adults, people with disabilities, people experiencing homelessness
Marina Manor3082 Sunset Ave, Marina 9393339 low-income homes · In service since 1995 · For older adults
Rockrose Gardens3012 Lexington Ct, Marina 9393321 homes, 20 low-income · For people with disabilities(831) 649-4522
Lightfighter Village229 Hayes Cir, Marina 9393371 homes, 17 low-income · For people with disabilities
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.
No down payment, repair or rent-help program on our list is for Marina or Monterey County. The ones below are statewide in California: they work in Marina 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).
No legal help resource on our list is for Marina or Monterey 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 Marina 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 Marina?
The typical home value in Marina is $818,700, 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 Marina?
Typical rent in Marina is $2,101 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 Marina?
Marina 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 Marina?
The typical homeowner in Marina pays $5,568 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Monterey County, the rate is 0.63%.
Where can I find free help to buy or rent in Marina?
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.
