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City · 5,503 residents · Fresno County, California

Old Fig Garden , California

In Old Fig Garden, a typical home is worth $512,700 and typical rent is $1,428 a month. Compared with all of Fresno County, typical household income is 43% higher, the typical home value is 32% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $512,700

    32% above the county

    30% below California

    • Old Fig Garden
    • Fresno
    • California

  • Typical rent

    $1,428a month

    3% above the county

    30% below California

    • Old Fig Garden
    • Fresno
    • California

  • Typical household income

    $105,781a year

    43% above the county

    7% above California

    • Old Fig Garden
    • Fresno
    • California

  • Households that own their home

    74%

    18 points above the county

    18 points above California

    • Old Fig Garden
    • Fresno
    • California

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

Old Fig Garden is in Fresno 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 Fresno County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Old Fig Garden apart

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

  1. Nearby, in Mayfair, the typical home value is $283,300: 45% less than in Old Fig Garden ($512,700).

  2. The typical household income in Old Fig Garden is $105,781, 43% more than in Fresno County as a whole ($74,201).

  3. 74% of households in Old Fig Garden own their home, against 56% in Fresno County.

  4. The typical home in Old Fig Garden is worth $512,700, 32% more than in Fresno County as a whole ($388,800).

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

The homes here

Housing in Old Fig Garden

What homes there are in Old Fig Garden, 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 Old Fig Garden: 78% of homes, more than in Fresno County (68%).

Year built

In Old Fig Garden, half of the homes were built before 1956; in Fresno County, before 1982.

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

$2,287 a month

Fresno County: $2,065 a month

Without a mortgage

$826 a month

Fresno County: $673 a month

Owners with a mortgage

65%

Fresno County: 66%

The typical cost for an owner with a mortgage in Old Fig Garden is $2,287 a month, more than in Fresno County ($2,065); without one, $826.

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 Old Fig Garden gained value more slowly than in Fresno County: 45% since 2015–2019, against 53%.

The typical rent in Old Fig Garden rose 33% over the same time; in Fresno County, it 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

MeasureOld Fig GardenFresno CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate10.7%8.2%3.4%
People per household 2.563.072.842.53
Drive alone 68%73%66%69%
Carpool Unreliable estimate12%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 20%10%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Old Fig Garden are smaller: 2.56 people on average; in Fresno County, 3.07.

Working from home is more common in Old Fig Garden: 20%, against 10% in Fresno County.

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 Old Fig Garden?

A typical home costs more than the typical income allows

We start with a typical home in Old Fig Garden, worth $512,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Old Fig Garden, which is $105,781 a year. For that payment to be 28% of income, a household would need to earn about $177,298 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Old Fig Garden. 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 $17,945 (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

$4,137

at 7.18% · 30 years

Loan amount
$503,413
Total interest
$724,294
Paid off in
November 2056

Includes $8,658 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,468 a month

  • Tight

    $2,468 to $3,173 a month

  • Hard

    more than $3,173 a month

    Your payment · 47%

Compared with the typical household income in Old Fig Garden ($105,781 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,137
Principal & interest$3,410
Property tax$286
Home insurance$214
FHA mortgage insurance (MIP)$227

You need at least $17,945 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

Old Fig Garden and Fresno County

Old Fig Garden is in Fresno 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).

Old Fig Garden's own numbers

Typical home value
$512,700
Typical monthly rent
$1,428
Typical yearly household income
$105,781
Households that own their home
74%
Effective property tax rate
0.67%

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

Numbers for all of Fresno County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,685
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%

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 Fresno County.

Everything about Fresno County

Buying

Buying a home in Old Fig Garden

A typical home in Old Fig Garden is worth $512,700: 32% above the county and 30% below California. With the typical household income in Old Fig Garden ($105,781 a year), a typical home costs 4.8 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.

  • Old Fig Garden 4.8 years
  • Fresno 5.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fresno County

According to FHFA’s house price index, home prices in Fresno County rose 98% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.3% +0.8% +2.9%
5 years (2020–2025) +49% +40% +47%
10 years (2015–2025) +98% +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

Old Fig Garden next to Fresno 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
  • Old Fig Garden $512,700
  • Fresno $388,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Old Fig Garden $1,428
  • Fresno $1,392
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Old Fig Garden $105,781
  • Fresno $74,201
  • California $99,122
  • United States $80,734
See the full table
Old Fig Garden next to Fresno County and California
Measure Old Fig Garden Fresno County California U.S.
Typical home value $512,700 $388,800 $734,700 $332,700
Typical monthly rent $1,428 $1,392 $2,036 $1,413
Typical yearly household income $105,781 $74,201 $99,122 $80,734
Households that own their home 74% 56% 56% 65%
Typical yearly property tax $3,438 $2,861 $5,124 $3,119
Effective property tax rate 0.67% 0.74% 0.7% 0.94%
Renters with high rent for their income 51% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fresno 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 Old Fig Garden

For a typical $512,700 home in Old Fig Garden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Old Fig Garden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,137a month

    Least cash to close
    Down payment
    $17,945
    Cash to close
    $33,326
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $227

  • Conventional, 5% down $4,043a month

    Down payment
    $25,635
    Cash to close
    $41,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $244

  • Conventional, 20% down, no PMI $3,278a month

    Down payment
    $102,540
    Cash to close
    $117,921
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,752a month

    Down payment
    $76,905
    Cash to close
    $92,286
    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 Old Fig Garden and for Fresno County.

Property tax

Effective rate in Old Fig Garden

0.67%of the home’s value each year

$3,438 a year for the typical owner in Old Fig Garden.

  • Old Fig Garden 0.67%
  • Fresno 0.74%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Fresno County

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

Homes in the high-risk zone
1.1%
2,954
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 1.1% 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 Old Fig Garden

Typical rent in Old Fig Garden is $1,428 a month: 3% above the county. In Old Fig Garden, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fresno County, by unit size. To pay the 2-bedroom one ($1,685 a month) without spending more than 30% of your income, you would need to earn $32.40 an hour working full time.

HUD fair market rent for all of Fresno 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 $1,354 $26.04 $54,160
1 bedroom $1,363 $26.21 $54,520
2 bedrooms $1,685 $32.40 $67,400
3 bedrooms $2,333 $44.87 $93,320
4 bedrooms $2,671 $51.37 $106,840

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 Old Fig Garden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Old Fig Garden is in ZIP code 93704.

For 2 bedrooms it is $1,890: $205 more than the fair market rent for Fresno County ($1,685).

  • 93704 $1,890$2,620

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

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 3 HUD-approved agencies with an office in Fresno County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Old Fig Garden

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

The HUD-approved agencies closest to the center of Old Fig Garden, 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 · 2 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 · 2 miles away

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

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 6 miles away

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

Every agency in Fresno County All counseling agencies in California

Help in Spanish near Old Fig Garden

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 Old Fig Garden

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

  • Housing Authority of Fresno County Public housing and Section 8 vouchers (559) 443-8400

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

Cities

Other cities in Fresno County

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

Everything about Fresno County Housing in California
See 3 more cities in Fresno County, with prices and rents

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

Nearby cities

The cities closest to Old Fig Garden, with the typical home value.

Neighboring counties

If Fresno 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 Old Fig Garden.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Old Fig Garden

Short answers with the numbers for Old Fig Garden and all of Fresno 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 Old Fig Garden?

The typical home value in Old Fig Garden is $512,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fresno County it is $388,800.

How much does it cost to rent in Old Fig Garden?

Typical rent in Old Fig Garden is $1,428 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fresno County is $1,685.

What is the FHA loan limit in Old Fig Garden?

Old Fig Garden uses the FHA limit for all of Fresno 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 Old Fig Garden?

The typical homeowner in Old Fig Garden pays $3,438 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Fresno County, the rate is 0.74%.

Where can I find free help to buy or rent in Old Fig Garden?

There are 3 HUD-approved counseling agencies with an office in Fresno 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).