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City · 10,138 residents · Kern County, California

Potomac Park , California

In Potomac Park, a typical home is worth $219,600 and typical rent is $1,218 a month. Compared with all of Kern County, the typical home value is 35% lower, typical household income is 27% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $219,600

    35% below the county

    70% below California

    • Potomac Park
    • Kern
    • California

  • Typical rent

    $1,218a month

    6% below the county

    40% below California

    • Potomac Park
    • Kern
    • California

  • Typical household income

    $51,166a year

    27% below the county

    48% below California

    • Potomac Park
    • Kern
    • California

  • Households that own their home

    37%

    23 points below the county

    18 points below California

    • Potomac Park
    • Kern
    • California

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

Potomac Park is in Kern 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 Kern County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Potomac Park apart

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

  1. Potomac Park has the 6th lowest typical home value of the 654 cities in California with more than 5,000 people ($219,600).

  2. 37% of households in Potomac Park own their home, against 60% in Kern County.

  3. Potomac Park has the 26th lowest typical household income of the 659 cities in California with more than 5,000 people ($51,166).

  4. Potomac Park has the 62nd lowest typical rent of the 648 cities in California with more than 5,000 people ($1,218).

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

The homes here

Housing in Potomac Park

What homes there are in Potomac Park, 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

In Potomac Park, 8 in 10 homes are single-family detached houses; in Kern County, 7.

Year built

The typical home in Potomac Park was built in 1968, 16 years before the typical one in Kern County.

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

$1,327 a month

Kern County: $1,968 a month

Without a mortgage

$494 a month

Kern County: $631 a month

Owners with a mortgage

54%

Kern County: 66%

The typical cost for an owner with a mortgage in Potomac Park is $1,327 a month, less than in Kern County ($1,968); without one, $494.

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

The Census does not compare Potomac Park with 2015–2019 because its boundaries changed. In Kern County, over that time, the typical home value rose 58%.

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

MeasurePotomac ParkKern CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.5%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 29.1%9.8%8.2%3.4%
People per household 4.193.122.842.53
Drive alone 75%78%66%69%
Carpool 17%11%10%9%
Public transit Unreliable estimate0%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate8%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Potomac Park, 29.1% of households live with more than one person per room, against 9.8% in Kern County.

More people live in each home here: 4.19 on average, against 3.12 in Kern County.

In Potomac Park, 17% of workers share a car to get to work; in Kern County, 11%.

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 Potomac Park?

A typical home costs more than the typical income allows

We start with a typical home in Potomac Park, worth $219,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Potomac Park, which is $51,166 a year. For that payment to be 28% of income, a household would need to earn about $77,117 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Potomac Park. 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 $7,686 (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

$1,799

at 7.18% · 30 years

Loan amount
$215,622
Total interest
$310,230
Paid off in
November 2056

Includes $3,708 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,194 a month

  • Tight

    $1,194 to $1,535 a month

  • Hard

    more than $1,535 a month

    Your payment · 42%

Compared with the typical household income in Potomac Park ($51,166 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,799
Principal & interest$1,461
Property tax$150
Home insurance$92
FHA mortgage insurance (MIP)$97

You need at least $7,686 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

Potomac Park and Kern County

Potomac Park is in Kern 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).

Potomac Park's own numbers

Typical home value
$219,600
Typical monthly rent
$1,218
Typical yearly household income
$51,166
Households that own their home
37%
Effective property tax rate
0.82%

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

Numbers for all of Kern County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,656
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
5%

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 Kern County.

Everything about Kern County

Buying

Buying a home in Potomac Park

A typical home in Potomac Park is worth $219,600: 35% below the county and 70% below California. With the typical household income in Potomac Park ($51,166 a year), a typical home costs 4.3 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.

  • Potomac Park 4.3 years
  • Kern 4.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kern County

According to FHFA’s house price index, home prices in Kern County rose 88% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +51% +40% +47%
10 years (2015–2025) +88% +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

Potomac Park next to Kern 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
  • Potomac Park $219,600
  • Kern $338,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Potomac Park $1,218
  • Kern $1,300
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Potomac Park $51,166
  • Kern $70,210
  • California $99,122
  • United States $80,734
See the full table
Potomac Park next to Kern County and California
Measure Potomac Park Kern County California U.S.
Typical home value $219,600 $338,300 $734,700 $332,700
Typical monthly rent $1,218 $1,300 $2,036 $1,413
Typical yearly household income $51,166 $70,210 $99,122 $80,734
Households that own their home 37% 60% 56% 65%
Typical yearly property tax $1,793 $2,984 $5,124 $3,119
Effective property tax rate 0.82% 0.88% 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 Kern 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 Potomac Park

For a typical $219,600 home in Potomac Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Potomac Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,799a month

    Least cash to close
    Down payment
    $7,686
    Cash to close
    $14,274
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $97

  • Conventional, 5% down $1,759a month

    Down payment
    $10,980
    Cash to close
    $17,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $104

  • Conventional, 20% down, no PMI $1,432a month

    Down payment
    $43,920
    Cash to close
    $50,508
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,635a month

    Down payment
    $32,940
    Cash to close
    $39,528
    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 Potomac Park and for Kern County.

Property tax

Effective rate in Potomac Park

0.82%of the home’s value each year

$1,793 a year for the typical owner in Potomac Park.

  • Potomac Park 0.82%
  • Kern 0.88%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Kern County

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

Homes in the high-risk zone
5%
12,851
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 5% 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 Potomac Park

Typical rent in Potomac Park is $1,218 a month: 6% below the county. In Potomac Park, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kern County, by unit size. To pay the 2-bedroom one ($1,656 a month) without spending more than 30% of your income, you would need to earn $31.85 an hour working full time.

HUD fair market rent for all of Kern 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 $1,265 $24.33 $50,600
1 bedroom $1,273 $24.48 $50,920
2 bedrooms $1,656 $31.85 $66,240
3 bedrooms $2,293 $44.10 $91,720
4 bedrooms $2,768 $53.23 $110,720

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 Potomac Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Potomac Park is in ZIP code 93307.

For 2 bedrooms it is $1,550: $106 less than the fair market rent for Kern County ($1,656).

  • 93307 $1,550$2,150

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

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 Kern County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Potomac Park

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

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

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

    312 NW 3rd Ave, Visalia · 70 miles away

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

  • Nid-Hca Palmdale

    520 W. Palmdale Blvd, Suite J, Palmdale · 71 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (661) 526-4013

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 72 miles away

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

All counseling agencies in California

Help in Spanish near Potomac Park

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 Potomac Park

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

  • Housing Authority of the County of Kern Public housing and Section 8 vouchers (661) 631-8500

All housing agencies in California Source: HUD

Cities

Other cities in Kern County

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

Everything about Kern County Housing in California
See 10 more cities in Kern County, with prices and rents

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

Nearby cities

The cities closest to Potomac Park, with the typical home value.

Neighboring counties

If Kern 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 Potomac Park.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Potomac Park

Short answers with the numbers for Potomac Park and all of Kern 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 Potomac Park?

The typical home value in Potomac Park is $219,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kern County it is $338,300.

How much does it cost to rent in Potomac Park?

Typical rent in Potomac Park is $1,218 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kern County is $1,656.

What is the FHA loan limit in Potomac Park?

Potomac Park uses the FHA limit for all of Kern 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 Potomac Park?

The typical homeowner in Potomac Park pays $1,793 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Kern County, the rate is 0.88%.

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

We found no HUD-approved counseling agencies with an office in Kern 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).