City · 22,634 residents · San Diego County, California
Ramona, California
In Ramona, a typical home is worth $766,400 and typical rent is $1,830 a month. Compared with all of San Diego County, typical rent is 19% lower, the typical home value is 10% lower, and the share of households that own their home is 16 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $704,460 to $806,496.
Typical rent
$2,515a month
▲ 2.9% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $2,320 to $2,515.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ramona is in San Diego County. The FHA loan limit ($1,104,000 for a one-unit home), the fair market rents and the help on this page are those of all of San Diego County. See the county
What this place has that others do not, from public data, most unusual first.
1
71% of households in Ramona own their home, against 55% in San Diego County.
2
Nearby, in Eucalyptus Hills, the typical rent is $1,408: 23% less than in Ramona ($1,830).
3
Nearby, in Lakeside, the typical home value is $634,400: 17% less than in Ramona ($766,400).
4
The typical rent in Ramona is $1,830 a month, 19% less than in San Diego County as a whole ($2,246).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ramona
What homes there are in Ramona, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ramona
San Diego County
California
United States
Kind of home: Ramona and its comparisons
Measure
Ramona
San Diego County
California
United States
Detached house
70%
50%
57%
61%
Attached house
4%
10%
7%
6%
Building of 2 to 4
Unreliable estimate
7%
8%
8%
Apartments (5 or more)
16%
30%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Ramona: 70% of homes, more than in San Diego County (50%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ramona
San Diego County
California
United States
Year built: Ramona and its comparisons
Measure
Ramona
San Diego County
California
United States
Before 1960
11%
17%
27%
26%
1960–1979
34%
33%
29%
24%
1980–1999
40%
30%
25%
25%
2000–2009
9%
12%
11%
14%
2010 or later
6%
8%
8%
11%
By age, homes in Ramona look like those in San Diego County: the typical year built is 1983.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K8%
$500K–$750K30%
$750K–$1M40%
$1M or more12%
Value of owner-occupied homes: Ramona and its comparisons
Measure
Ramona
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
8%
$500K–$750K
30%
$750K–$1M
40%
$1M or more
12%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99945%
$2,000–$2,49919%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ramona and its comparisons
Measure
Ramona
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
45%
$2,000–$2,499
19%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,128 a month
San Diego County: $3,184 a month
Without a mortgage
$984 a month
San Diego County: $871 a month
Owners with a mortgage
77%
San Diego County: 70%
The typical cost for an owner with a mortgage in Ramona is $3,128 a month, near the figure in San Diego County ($3,184).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ramona+61%
San Diego County+52%
California+46%
United States+53%
Typical rent
Ramona+24%
San Diego County+36%
California+36%
United States+33%
Typical household income
Ramona+28%
San Diego County+35%
California+32%
United States+29%
Change since 2015–2019: Ramona and its comparisons
Measure
Ramona
San Diego County
California
United States
Typical home value
+61%
+52%
+46%
+53%
Typical rent
+24%
+36%
+36%
+33%
Typical household income
+28%
+35%
+32%
+29%
The typical home value in Ramona rose 61% since 2015–2019, more than in San Diego County (52%).
Rents in Ramona rose more slowly than in San Diego County: 24% since 2015–2019, against 36%.
While home values in Ramona changed +61% and rent +24%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ramona and its comparisons
Measure
Ramona
San Diego County
California
United States
Rental vacancy
Unreliable estimate
3.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
10.1%
6.5%
8.2%
3.4%
People per household
3.07
2.72
2.84
2.53
Drive alone
78%
66%
66%
69%
Carpool
7%
8%
10%
9%
Public transit
Unreliable estimate
2%
3%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
12%
19%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More households are short on space in Ramona: 10.1% have more than one person per room; in San Diego County, 6.5%.
Households in Ramona are bigger: 3.07 people on average; in San Diego County, 2.72.
The car rules in Ramona: 78% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in Ramona?
A typical home costs more than the typical income allows
We start with a typical home in Ramona, worth $766,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Ramona, which is $107,427 a year. For that payment to be 28% of income, a household would need to earn about $264,756 a year.
The calculator's FHA and conventional loan limits are those of all of San Diego County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ramona. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $26,824 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$6,178
at 7.18% · 30 years
Loan amount
$752,519
Total interest
$1,082,698
Paid off in
November 2056
Includes $12,943 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,507 a month
Tight
$2,507 to $3,223 a month
Hard
more than $3,223 a month
Your payment · 69%
Compared with the typical household income in Ramona ($107,427 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,098
Property tax
$422
Home insurance
$319
FHA mortgage insurance (MIP)
$339
You need at least $26,824 for the down payment, plus closing costs.
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.
Total monthly payment $6,178; principal and interest $5,098.
The city and its county
Ramona and San Diego County
Ramona is in San Diego 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).
Ramona
Map of San Diego County, California, with Ramona marked. Around it, the neighboring counties.
Ramona
San Diego County
Other cities with a page
Ramona's own numbers
Typical home value
$766,400
Typical monthly rent
$1,830
Typical yearly household income
$107,427
Households that own their home
71%
Effective property tax rate
0.66%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Diego County
FHA limit, one-unit home
$1,104,000
Conventional limit, one unit
$1,104,000
HUD fair market rent, 2 bedrooms
$2,823
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.5%
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 San Diego County.
A typical home in Ramona is worth $766,400: 10% below the county and 4% above California. With the typical household income in Ramona ($107,427 a year), a typical home costs 7.1 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.
Ramona7.1 years
San Diego8.0 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in San Diego County
According to FHFA’s house price index, home prices in San Diego County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of San Diego County.
Yearly change in FHFA’s price index in San Diego County, 2016 to 2025
2016: +7.4% +7.4% 2016
2017: +7.1% +7.1% 2017
2018: +6.0% +6.0% 2018
2019: +2.9% +2.9% 2019
2020: +3.4% +3.4% 2020
2021: +13.8% +13.8% 2021
2022: +18.2% +18.2% 2022
2023: +5.7% +5.7% 2023
2024: +7.3% +7.3% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in San Diego County, California and the United States
Period
County
California
U.S.
Last year (2025)
+0.7%
+0.8%
+2.9%
5 years (2020–2025)
+54%
+40%
+47%
10 years (2015–2025)
+99%
+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
Ramona next to San Diego 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
Ramona$766,400
San Diego$854,700
California$734,700
United States$332,700
Typical monthly rent
Ramona$1,830
San Diego$2,246
California$2,036
United States$1,413
Typical yearly household income
Ramona$107,427
San Diego$106,268
California$99,122
United States$80,734
See the full table
Ramona next to San Diego County and California
Measure
Ramona
San Diego County
California
U.S.
Typical home value
$766,400 ▼10% below the county
$854,700
$734,700
$332,700
Typical monthly rent
$1,830 ▼19% below the county
$2,246
$2,036
$1,413
Typical yearly household income
$107,427
$106,268
$99,122
$80,734
Households that own their home
71% ▲16 points above the county
55%
56%
65%
Typical yearly property tax
$5,064 ▼12% below the county
$5,774
$5,124
$3,119
Effective property tax rate
0.66% ▼0.02 points below the county
0.68%
0.7%
0.94%
Renters with high rent for their income
58%
58%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Diego 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 Ramona
For a typical $766,400 home in Ramona, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ramona's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,178a month
Least cash to close
Down payment
$26,824
Cash to close
$49,816
Rate
7.18%
Mortgage insurance
FHA MIP · $339
Conventional, 5% down$6,037a month
Down payment
$38,320
Cash to close
$61,312
Rate
7.18%
Mortgage insurance
PMI · $364
Conventional, 20% down, no PMI$4,894a month
Down payment
$153,280
Cash to close
$176,272
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,603a month
Down payment
$114,960
Cash to close
$137,952
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ramona
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,178
$26,824
$752,519
7.18%
FHA MIP · $339
$49,816
580
Conventional, 5% down
$6,037
$38,320
$728,080
7.18%
PMI · $364
$61,312
620*
Conventional, 20% down, no PMI
$4,894
$153,280
$613,120
7.18%
None
$176,272
620*
ITIN, 15% down (example)
$5,603
$114,960
$651,440
8.18%
None
$137,952
Set by the lender
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.
Typical rent in Ramona is $1,830 a month: 19% below the county. In Ramona, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Diego County, by unit size. To pay the 2-bedroom one ($2,823 a month) without spending more than 30% of your income, you would need to earn $54.29 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Diego County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$2,192
$42.15
$87,680
1 bedroom
$2,335
$44.90
$93,400
2 bedrooms
$2,823
$54.29
$112,920
3 bedrooms
$3,743
$71.98
$149,720
4 bedrooms
$4,526
$87.04
$181,040
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 Ramona
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ramona is in ZIP code 92065.
For 2 bedrooms it is $2,510: $313 less than the fair market rent for San Diego County ($2,823).
Fair market rent by ZIP code and size in Ramona, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
92065
$1,950
$2,080
$2,510
$3,330
$4,050
ZIP code2 bd3 bd
92065 $2,510$3,330
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ramona 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 San Diego County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Ramona or San Diego County. The ones below are statewide in California: they work in Ramona the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Ramona or San Diego County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ramona and all of San Diego 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 Ramona?
The typical home value in Ramona is $766,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Diego County it is $854,700.
How much does it cost to rent in Ramona?
Typical rent in Ramona is $1,830 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Diego County is $2,823.
What is the FHA loan limit in Ramona?
Ramona uses the FHA limit for all of San Diego County (2026): $1,104,000 for a one-unit home and $2,123,100 for a four-unit home.
How much property tax do owners pay in Ramona?
The typical homeowner in Ramona pays $5,064 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in San Diego County, the rate is 0.68%.
Where can I find free help to buy or rent in Ramona?
There are 4 HUD-approved counseling agencies with an office in San Diego County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
