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City · 18,761 residents · Contra Costa County, California

Pinole , California

In Pinole, a typical home is worth $718,600 and typical rent is $2,700 a month. Compared with all of Contra Costa County, the typical home value is 17% lower, typical rent is 14% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $718,600

    17% below the county

    2% below California

    • Pinole
    • Contra Costa
    • California

  • Typical rent

    $2,700a month

    14% above the county

    33% above California

    • Pinole
    • Contra Costa
    • California

  • Typical household income

    $127,717a year

    About the same as the county

    29% above California

    • Pinole
    • Contra Costa
    • California

  • Households that own their home

    79%

    11 points above the county

    24 points above California

    • Pinole
    • Contra Costa
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$716,435
about the same as 12 months ago
Typical rent
$2,800 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Pinole is in Contra Costa 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 Contra Costa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pinole apart

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

  1. Pinole has the 13th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (76%).

  2. Nearby, in Richmond, the typical rent is $1,960: 27% less than in Pinole ($2,700).

  3. Nearby, in San Pablo, the typical home value is $551,700: 23% less than in Pinole ($718,600).

  4. 79% of households in Pinole own their home, against 68% in Contra Costa County.

  5. The typical home in Pinole is worth $718,600, 17% less than in Contra Costa County as a whole ($866,800).

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

The homes here

Housing in Pinole

What homes there are in Pinole, 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 Pinole: 74% of homes, more than in Contra Costa County (68%).

Year built

The typical home in Pinole was built in 1970, 8 years before the typical one in Contra Costa County.

In Pinole, 76% of homes have 3 bedrooms or more, more than in Contra Costa County (67%).

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

$3,016 a month

Contra Costa County: $3,435 a month

Without a mortgage

$826 a month

Contra Costa County: $1,009 a month

Owners with a mortgage

65%

Contra Costa County: 71%

The typical cost for an owner with a mortgage in Pinole is $3,016 a month, less than in Contra Costa County ($3,435); 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

Since 2015–2019, homes in Pinole gained value faster than in Contra Costa County: 44% against 39%.

The typical rent in Pinole rose 47% over the same time; in Contra Costa County, it rose 31%.

Housing prices ran ahead of income in Pinole: typical income rose 27%, against +44% for home values and +47% for rent.

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

MeasurePinoleContra Costa CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 3.5%5.4%8.2%3.4%
People per household 2.832.782.842.53
Drive alone 64%60%66%69%
Carpool 12%10%10%9%
Public transit 5%5%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 17%21%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer households are short on space in Pinole: 3.5% have more than one person per room; in Contra Costa County, 5.4%.

By size, households in Pinole look like those in Contra Costa County: 2.83 people on average.

In Pinole, 64% of workers drive alone to work; in Contra Costa County, 60%.

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 Pinole?

A typical home costs more than the typical income allows

We start with a typical home in Pinole, worth $718,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Pinole, which is $127,717 a year. For that payment to be 28% of income, a household would need to earn about $252,350 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pinole. 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 $25,151 (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

$5,888

at 7.18% · 30 years

Loan amount
$705,584
Total interest
$1,015,170
Paid off in
November 2056

Includes $12,135 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,980 a month

  • Tight

    $2,980 to $3,832 a month

  • Hard

    more than $3,832 a month

    Your payment · 55%

Compared with the typical household income in Pinole ($127,717 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,888
Principal & interest$4,780
Property tax$491
Home insurance$299
FHA mortgage insurance (MIP)$318

You need at least $25,151 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

Pinole and Contra Costa County

Pinole is in Contra Costa 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).

Pinole's own numbers

Typical home value
$718,600
Typical monthly rent
$2,700
Typical yearly household income
$127,717
Households that own their home
79%
Effective property tax rate
0.82%

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

Numbers for all of Contra Costa County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,805
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
2.3%

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 Contra Costa County.

Everything about Contra Costa County

Buying

Buying a home in Pinole

A typical home in Pinole is worth $718,600: 17% below the county and 2% below California. With the typical household income in Pinole ($127,717 a year), a typical home costs 5.6 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.

  • Pinole 5.6 years
  • Contra Costa 6.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Contra Costa County

According to FHFA’s house price index, home prices in Contra Costa County rose 71% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.0% +0.8% +2.9%
5 years (2020–2025) +31% +40% +47%
10 years (2015–2025) +71% +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

Pinole next to Contra Costa 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
  • Pinole $718,600
  • Contra Costa $866,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Pinole $2,700
  • Contra Costa $2,375
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Pinole $127,717
  • Contra Costa $127,229
  • California $99,122
  • United States $80,734
See the full table
Pinole next to Contra Costa County and California
Measure Pinole Contra Costa County California U.S.
Typical home value $718,600 $866,800 $734,700 $332,700
Typical monthly rent $2,700 $2,375 $2,036 $1,413
Typical yearly household income $127,717 $127,229 $99,122 $80,734
Households that own their home 79% 68% 56% 65%
Typical yearly property tax $5,863 $7,156 $5,124 $3,119
Effective property tax rate 0.82% 0.83% 0.7% 0.94%
Renters with high rent for their income 76% 56% 55% 51%

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

For a typical $718,600 home in Pinole, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pinole's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,888a month

    Least cash to close
    Down payment
    $25,151
    Cash to close
    $46,709
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $318

  • Conventional, 5% down $5,756a month

    Down payment
    $35,930
    Cash to close
    $57,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $341

  • Conventional, 20% down, no PMI $4,685a month

    Down payment
    $143,720
    Cash to close
    $165,278
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,349a month

    Down payment
    $107,790
    Cash to close
    $129,348
    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 Pinole and for Contra Costa County.

Property tax

Effective rate in Pinole

0.82%of the home’s value each year

$5,863 a year for the typical owner in Pinole.

  • Pinole 0.82%
  • Contra Costa 0.83%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Contra Costa County

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

Homes in the high-risk zone
2.3%
7,128
Of those, with NFIP insurance
28%
County California U.S.
Homes in the high-risk zone 2.3% 2.8% 3.5%
Of those, with NFIP insurance 28% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pinole

Typical rent in Pinole is $2,700 a month: 14% above the county. In Pinole, 76% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Contra Costa County, by unit size. To pay the 2-bedroom one ($2,805 a month) without spending more than 30% of your income, you would need to earn $53.94 an hour working full time.

HUD fair market rent for all of Contra Costa 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 $2,088 $40.15 $83,520
1 bedroom $2,290 $44.04 $91,600
2 bedrooms $2,805 $53.94 $112,200
3 bedrooms $3,592 $69.08 $143,680
4 bedrooms $4,250 $81.73 $170,000

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 Pinole

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pinole is in ZIP code 94564.

For 2 bedrooms it is $3,080: $275 more than the fair market rent for Contra Costa County ($2,805).

  • 94564 $3,080$3,940

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

Low-income apartments

Low-income apartments in Pinole

HUD lists 2 buildings with rents for lower incomes in Pinole. These are the largest.

  • Pinole Grove Senior Housing 800 John St, Pinole 94564 70 homes, 69 low-income · 1 bd: 56 · 2 bd: 14 · In service since 2012 · For older adults
  • Alvarez Court 760 Alvarez Ave, Pinole 94564 18 low-income homes · For people with disabilities (510) 724-1928

See all 170 buildings in Contra Costa County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pinole

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 4 HUD-approved agencies with an office in Contra Costa County; 2 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Pinole

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

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

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

  • Community Housing Development Corporation of North Richmond

    1535 Fred Jackson Way Ste A, Richmond · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 412-9290

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

Every agency in Contra Costa County All counseling agencies in California

Help in Spanish near Pinole

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 Pinole

In HUD’s record, no housing authority with an office in Contra Costa County is named for Pinole or Contra Costa County.

3 other authorities have an office in Contra Costa County: see the list Source: HUD

Cities

Other cities in Contra Costa County

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

Everything about Contra Costa County Housing in California
See 16 more cities in Contra Costa County, with prices and rents

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

Nearby cities

The cities closest to Pinole, with the typical home value.

Neighboring counties

If Contra Costa 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 Pinole.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Pinole

Short answers with the numbers for Pinole and all of Contra Costa 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 Pinole?

The typical home value in Pinole is $718,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Contra Costa County it is $866,800.

How much does it cost to rent in Pinole?

Typical rent in Pinole is $2,700 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Contra Costa County is $2,805.

What is the FHA loan limit in Pinole?

Pinole uses the FHA limit for all of Contra Costa 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 Pinole?

The typical homeowner in Pinole pays $5,863 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Contra Costa County, the rate is 0.83%.

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

There are 4 HUD-approved counseling agencies with an office in Contra Costa County. 2 say they serve 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).