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City · 6,888 residents · Ventura County, California

Mira Monte , California

In Mira Monte, a typical home is worth $812,200 and typical rent is $2,017 a month. Compared with all of Ventura County, typical household income is 34% lower, typical rent is 13% lower, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $812,200

    About the same as the county

    11% above California

    • Mira Monte
    • Ventura
    • California

  • Typical rent

    $2,017a month

    13% below the county

    About the same as California

    • Mira Monte
    • Ventura
    • California

  • Typical household income

    $72,879a year

    34% below the county

    26% below California

    • Mira Monte
    • Ventura
    • California

  • Households that own their home

    84%

    20 points above the county

    28 points above California

    • Mira Monte
    • Ventura
    • California

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

Mira Monte is in Ventura County. The FHA loan limit ($1,035,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ventura County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mira Monte apart

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

  1. 84% of households in Mira Monte own their home, against 65% in Ventura County.

  2. The typical household income in Mira Monte is $72,879, 34% less than in Ventura County as a whole ($109,797).

  3. Nearby, in Santa Paula, the typical home value is $611,200: 25% less than in Mira Monte ($812,200).

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

The homes here

Housing in Mira Monte

What homes there are in Mira Monte, 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

As in Ventura County, most homes in Mira Monte are detached houses (61%).

Mobile homes are 30% of homes in Mira Monte, more than in Ventura County (4%).

Year built

Homes in Mira Monte are older: the typical year built is 1973; in Ventura County, 1978.

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

$2,810 a month

Ventura County: $3,105 a month

Without a mortgage

$955 a month

Ventura County: $847 a month

Owners with a mortgage

49%

Ventura County: 69%

The typical cost for an owner with a mortgage in Mira Monte is $2,810 a month, less than in Ventura County ($3,105); without one, $955.

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

Mira Monte does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Ventura County the typical home value rose 40%.

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

MeasureMira MonteVentura CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate7.0%8.2%3.4%
People per household 2.342.942.842.53
Drive alone 65%70%66%69%
Carpool 7%10%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 23%16%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 Mira Monte has 2.34 people, fewer than in Ventura County (2.94).

In Mira Monte, 23% of workers work from home, more than in Ventura County (16%).

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 Mira Monte?

A typical home costs more than the typical income allows

We start with a typical home in Mira Monte, worth $812,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 107% of the typical household income in Mira Monte, which is $72,879 a year. For that payment to be 28% of income, a household would need to earn about $277,387 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mira Monte. 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 $28,427 (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

$6,472

at 7.18% · 30 years

Loan amount
$797,489
Total interest
$1,147,400
Paid off in
November 2056

Includes $13,716 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,701 a month

  • Tight

    $1,701 to $2,186 a month

  • Hard

    more than $2,186 a month

    Your payment · 107%

Compared with the typical household income in Mira Monte ($72,879 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,472
Principal & interest$5,402
Property tax$372
Home insurance$338
FHA mortgage insurance (MIP)$359

You need at least $28,427 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

Mira Monte and Ventura County

Mira Monte is in Ventura 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).

Mira Monte's own numbers

Typical home value
$812,200
Typical monthly rent
$2,017
Typical yearly household income
$72,879
Households that own their home
84%
Effective property tax rate
0.55%

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

Numbers for all of Ventura County

FHA limit, one-unit home
$1,035,000
Conventional limit, one unit
$1,035,000
HUD fair market rent, 2 bedrooms
$2,424
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.2%

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 Ventura County.

Everything about Ventura County

Buying

Buying a home in Mira Monte

A typical home in Mira Monte is worth $812,200: about the same as the county and 11% above California. With the typical household income in Mira Monte ($72,879 a year), a typical home costs 11.1 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.

  • Mira Monte 11.1 years
  • Ventura 7.5 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ventura County

According to FHFA’s house price index, home prices in Ventura County rose 78% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +44% +40% +47%
10 years (2015–2025) +78% +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

Mira Monte next to Ventura 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
  • Mira Monte $812,200
  • Ventura $822,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Mira Monte $2,017
  • Ventura $2,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Mira Monte $72,879
  • Ventura $109,797
  • California $99,122
  • United States $80,734
See the full table
Mira Monte next to Ventura County and California
Measure Mira Monte Ventura County California U.S.
Typical home value $812,200 $822,700 $734,700 $332,700
Typical monthly rent $2,017 $2,317 $2,036 $1,413
Typical yearly household income $72,879 $109,797 $99,122 $80,734
Households that own their home 84% 65% 56% 65%
Typical yearly property tax $4,448 $5,574 $5,124 $3,119
Effective property tax rate 0.55% 0.68% 0.7% 0.94%

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

For a typical $812,200 home in Mira Monte, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mira Monte's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,472a month

    Least cash to close
    Down payment
    $28,427
    Cash to close
    $52,793
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $359

  • Conventional, 5% down $6,323a month

    Down payment
    $40,610
    Cash to close
    $64,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $386

  • Conventional, 20% down, no PMI $5,112a month

    Down payment
    $162,440
    Cash to close
    $186,806
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,863a month

    Down payment
    $121,830
    Cash to close
    $146,196
    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 Mira Monte and for Ventura County.

Property tax

Effective rate in Mira Monte

0.55%of the home’s value each year

$4,448 a year for the typical owner in Mira Monte.

  • Mira Monte 0.55%
  • Ventura 0.68%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Ventura County

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

Homes in the high-risk zone
3.2%
7,333
Of those, with NFIP insurance
31%
County California U.S.
Homes in the high-risk zone 3.2% 2.8% 3.5%
Of those, with NFIP insurance 31% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mira Monte

Typical rent in Mira Monte is $2,017 a month: 13% below the county.

HUD publishes a fair market rent for all of Ventura County, by unit size. To pay the 2-bedroom one ($2,424 a month) without spending more than 30% of your income, you would need to earn $46.62 an hour working full time.

HUD fair market rent for all of Ventura 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 $1,827 $35.13 $73,080
1 bedroom $2,035 $39.13 $81,400
2 bedrooms $2,424 $46.62 $96,960
3 bedrooms $3,287 $63.21 $131,480
4 bedrooms $3,816 $73.38 $152,640

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 Mira Monte

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mira Monte is in ZIP code 93023.

For 2 bedrooms it is $2,070: $354 less than the fair market rent for Ventura County ($2,424).

  • 93023 $2,070$2,810

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

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 Ventura County; 1 says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Mira Monte

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

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

  • My Way Home

    2231 Sturgis Rd Unit A, Oxnard · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (805) 273-7800

  • Centro Familia Esperanza

    1720 E Los Angeles Ave Ste 216, Simi Valley · 32 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (805) 813-8751

  • Money Management International, Los Angeles

    6080 Center Dr Fl 6, Los Angeles · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

Every agency in Ventura County All counseling agencies in California

Help in Spanish near Mira Monte

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 Mira Monte

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

  • Housing Authority of the County of Ventura Public housing and Section 8 vouchers (805) 480-9991

4 other authorities have an office in Ventura County: see the list Source: HUD

Cities

Other cities in Ventura County

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

Everything about Ventura County Housing in California
See 1 more city in Ventura County, with its price and rent

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Mira Monte, with the typical home value.

Neighboring counties

If Ventura 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 Mira Monte.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Mira Monte

Short answers with the numbers for Mira Monte and all of Ventura 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 Mira Monte?

The typical home value in Mira Monte is $812,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ventura County it is $822,700.

How much does it cost to rent in Mira Monte?

Typical rent in Mira Monte is $2,017 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ventura County is $2,424.

What is the FHA loan limit in Mira Monte?

Mira Monte uses the FHA limit for all of Ventura County (2026): $1,035,000 for a one-unit home and $1,990,450 for a four-unit home.

How much property tax do owners pay in Mira Monte?

The typical homeowner in Mira Monte pays $4,448 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Ventura County, the rate is 0.68%.

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

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