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City · 8,014 residents · San Luis Obispo County, California

Pismo Beach , California

In Pismo Beach, a typical home is worth $1,021,300 and typical rent is $2,232 a month. Compared with all of San Luis Obispo County, the typical home value is 24% higher and typical household income is 21% higher.

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  • Typical home value

    $1,021,300

    24% above the county

    39% above California

    • Pismo Beach
    • San Luis Obispo
    • California

  • Typical rent

    $2,232a month

    12% above the county

    10% above California

    • Pismo Beach
    • San Luis Obispo
    • California

  • Typical household income

    $118,072a year

    21% above the county

    19% above California

    • Pismo Beach
    • San Luis Obispo
    • California

  • Households that own their home

    65%

    3 points above the county

    9 points above California

    • Pismo Beach
    • San Luis Obispo
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$1,094,936
2.2% more than 12 months ago
Typical rent
$3,242 a month

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

Pismo Beach is in San Luis Obispo County. The FHA loan limit ($1,000,500 for a one-unit home), the fair market rents and the help on this page are those of all of San Luis Obispo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pismo Beach apart

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

  1. Nearby, in Oceano, the typical home value is $556,100: 46% less than in Pismo Beach ($1,021,300).

  2. Nearby, in Oceano, the typical rent is $1,584: 29% less than in Pismo Beach ($2,232).

  3. The typical home in Pismo Beach is worth $1,021,300, 24% more than in San Luis Obispo County as a whole ($824,700).

  4. The typical household income in Pismo Beach is $118,072, 21% more than in San Luis Obispo County as a whole ($97,446).

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

The homes here

Housing in Pismo Beach

What homes there are in Pismo Beach, 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 is still the most common home in Pismo Beach, but it weighs less than in San Luis Obispo County: 55% against 68%.

There are more mobile homes here than in San Luis Obispo County: 12% of homes, against 8%.

Year built

The typical year built in Pismo Beach is 1986, about the same as in San Luis Obispo County (1983).

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

$3,120 a month

San Luis Obispo County: $2,887 a month

Without a mortgage

$1,086 a month

San Luis Obispo County: $849 a month

Owners with a mortgage

54%

San Luis Obispo County: 64%

The typical cost for an owner with a mortgage in Pismo Beach is $3,120 a month, more than in San Luis Obispo County ($2,887); without one, $1,086.

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 Pismo Beach gained value more slowly than in San Luis Obispo County: 33% since 2015–2019, against 44%.

The typical rent in Pismo Beach rose 26% over the same time; in San Luis Obispo County, it rose 35%.

The typical household income in Pismo Beach rose 40%: more than home values (+33%) and rent (+26%).

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

MeasurePismo BeachSan Luis Obispo CountyCaliforniaUnited States
Rental vacancy 16.5%4.6%4.2%5.5%
Homeowner vacancy Unreliable estimate2.0%0.8%0.9%
More than one person per room Unreliable estimate4.1%8.2%3.4%
People per household 1.942.432.842.53
Drive alone 72%71%66%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 17%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Pismo Beach: 16.5% is empty and offered for rent, against 4.6% in San Luis Obispo County.

Fewer people live in each home here: 1.94 on average, against 2.43 in San Luis Obispo County.

In Pismo Beach, 72% of workers drive alone to work; in San Luis Obispo County, 71%.

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 Pismo Beach?

A typical home costs more than the typical income allows

We start with a typical home in Pismo Beach, worth $1,021,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 86% of the typical household income in Pismo Beach, which is $118,072 a year. For that payment to be 28% of income, a household would need to earn about $360,947 a year.

The calculator's FHA and conventional loan limits are those of all of San Luis Obispo County.

Your numbers

Local data
$

Starts at the typical home value in Pismo Beach. 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 $35,746 (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

$8,422

at 7.18% · 30 years

Loan amount
$1,002,801
Total interest
$1,442,796
Paid off in
November 2056

Includes $17,247 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,755 a month

  • Tight

    $2,755 to $3,542 a month

  • Hard

    more than $3,542 a month

    Your payment · 86%

Compared with the typical household income in Pismo Beach ($118,072 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,422
Principal & interest$6,793
Property tax$587
Home insurance$426
FHA mortgage insurance (MIP)$616

You need at least $35,746 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

Pismo Beach and San Luis Obispo County

Pismo Beach is in San Luis Obispo 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).

Pismo Beach's own numbers

Typical home value
$1,021,300
Typical monthly rent
$2,232
Typical yearly household income
$118,072
Households that own their home
65%
Effective property tax rate
0.69%

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

Numbers for all of San Luis Obispo County

FHA limit, one-unit home
$1,000,500
Conventional limit, one unit
$1,000,500
HUD fair market rent, 2 bedrooms
$2,720
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.7%

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 San Luis Obispo County.

Everything about San Luis Obispo County

Buying

Buying a home in Pismo Beach

A typical home in Pismo Beach is worth $1,021,300: 24% above the county and 39% above California. With the typical household income in Pismo Beach ($118,072 a year), a typical home costs 8.6 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.

  • Pismo Beach 8.6 years
  • San Luis Obispo 8.5 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Luis Obispo County

According to FHFA’s house price index, home prices in San Luis Obispo County rose 85% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +3.3% +0.8% +2.9%
5 years (2020–2025) +48% +40% +47%
10 years (2015–2025) +85% +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

Pismo Beach next to San Luis Obispo 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
  • Pismo Beach $1,021,300
  • San Luis Obispo $824,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Pismo Beach $2,232
  • San Luis Obispo $1,992
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Pismo Beach $118,072
  • San Luis Obispo $97,446
  • California $99,122
  • United States $80,734
See the full table
Pismo Beach next to San Luis Obispo County and California
Measure Pismo Beach San Luis Obispo County California U.S.
Typical home value $1,021,300 $824,700 $734,700 $332,700
Typical monthly rent $2,232 $1,992 $2,036 $1,413
Typical yearly household income $118,072 $97,446 $99,122 $80,734
Households that own their home 65% 62% 56% 65%
Typical yearly property tax $7,023 $5,636 $5,124 $3,119
Effective property tax rate 0.69% 0.68% 0.7% 0.94%
Renters with high rent for their income 50% 58% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Luis Obispo 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 Pismo Beach

For a typical $1,021,300 home in Pismo Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pismo Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,422a month

    Above the FHA limit for San Luis Obispo County ($1,000,500)
    Down payment
    $35,746
    Cash to close
    $66,385
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $616

  • Conventional, 5% down $8,071a month

    Least cash to close
    Down payment
    $51,065
    Cash to close
    $81,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $485

  • Conventional, 20% down, no PMI $6,548a month

    Down payment
    $204,260
    Cash to close
    $234,899
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,492a month

    Down payment
    $153,195
    Cash to close
    $183,834
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Pismo Beach and for San Luis Obispo County.

Property tax

Effective rate in Pismo Beach

0.69%of the home’s value each year

$7,023 a year for the typical owner in Pismo Beach.

  • Pismo Beach 0.69%
  • San Luis Obispo 0.68%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in San Luis Obispo County

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

Homes in the high-risk zone
2.7%
2,861
Of those, with NFIP insurance
22%
County California U.S.
Homes in the high-risk zone 2.7% 2.8% 3.5%
Of those, with NFIP insurance 22% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pismo Beach

Typical rent in Pismo Beach is $2,232 a month: 12% above the county. In Pismo Beach, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Luis Obispo County, by unit size. To pay the 2-bedroom one ($2,720 a month) without spending more than 30% of your income, you would need to earn $52.31 an hour working full time.

HUD fair market rent for all of San Luis Obispo 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 $1,894 $36.42 $75,760
1 bedroom $2,079 $39.98 $83,160
2 bedrooms $2,720 $52.31 $108,800
3 bedrooms $3,634 $69.88 $145,360
4 bedrooms $4,208 $80.92 $168,320

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 Pismo Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pismo Beach is in ZIP code 93449.

For 2 bedrooms it is $3,220: $500 more than the fair market rent for San Luis Obispo County ($2,720).

  • 93449 $3,220$4,300

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

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

  • Pismo Terrace 855 4th St, Pismo Beach 93449 50 homes, 25 low-income · For families (805) 556-9007
  • Pismo Creek Bungalows 360 Park Ave, Pismo Beach 93449 14 low-income homes · 1 bd: 4 · 2 bd: 5 · 3 bd: 5 · In service since 2013 · For families

See all 53 buildings in San Luis Obispo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pismo Beach

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 San Luis Obispo County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Pismo Beach

No down payment, repair or rent-help program on our list is for Pismo Beach or San Luis Obispo County. The ones below are statewide in California: they work in Pismo Beach 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 Pismo Beach

The HUD-approved agencies closest to the center of Pismo Beach, 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 · 109 miles away · Spanish

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

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 110 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (559) 802-1664

  • Community Services and Employment Training, Inc. (CSET)

    312 NW 3rd Ave, Visalia · 113 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 1 more
    (559) 732-4194

All counseling agencies in California

Help in Spanish near Pismo Beach

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 Pismo Beach

In HUD’s record, no housing authority with an office in San Luis Obispo County is named for Pismo Beach or San Luis Obispo County.

2 other authorities have an office in San Luis Obispo County: see the list Source: HUD

Cities

Other cities in San Luis Obispo County

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

Everything about San Luis Obispo County Housing in California

Nearby cities

The cities closest to Pismo Beach, with the typical home value.

Neighboring counties

If San Luis Obispo 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 Pismo Beach.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Pismo Beach

Short answers with the numbers for Pismo Beach and all of San Luis Obispo 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 Pismo Beach?

The typical home value in Pismo Beach is $1,021,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Luis Obispo County it is $824,700.

How much does it cost to rent in Pismo Beach?

Typical rent in Pismo Beach is $2,232 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Luis Obispo County is $2,720.

What is the FHA loan limit in Pismo Beach?

Pismo Beach uses the FHA limit for all of San Luis Obispo County (2026): $1,000,500 for a one-unit home and $1,924,100 for a four-unit home.

How much property tax do owners pay in Pismo Beach?

The typical homeowner in Pismo Beach pays $7,023 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in San Luis Obispo County, the rate is 0.68%.

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

We found no HUD-approved counseling agencies with an office in San Luis Obispo 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).