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City · 10,102 residents · Solano County, California

Rio Vista , California

In Rio Vista, a typical home is worth $489,700 and typical rent is $1,724 a month. Compared with all of Solano County, the typical home value is 21% lower, typical rent is 20% lower, and the share of households that own their home is 21 points higher.

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  • Typical home value

    $489,700

    21% below the county

    33% below California

    • Rio Vista
    • Solano
    • California

  • Typical rent

    $1,724a month

    20% below the county

    15% below California

    • Rio Vista
    • Solano
    • California

  • Typical household income

    $89,306a year

    11% below the county

    10% below California

    • Rio Vista
    • Solano
    • California

  • Households that own their home

    84%

    21 points above the county

    28 points above California

    • Rio Vista
    • Solano
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$451,283
2.9% less than 12 months ago

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

Rio Vista is in Solano County. The FHA loan limit ($685,400 for a one-unit home), the fair market rents and the help on this page are those of all of Solano County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rio Vista apart

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

  1. 84% of households in Rio Vista own their home, against 63% in Solano County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Rio Vista fell 2.9%; in California, it rose 0.6%.

  3. The typical home in Rio Vista is worth $489,700, 21% less than in Solano County as a whole ($617,700).

  4. The typical rent in Rio Vista is $1,724 a month, 20% less than in Solano County as a whole ($2,163).

  5. Rio Vista has the 52nd smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (43%).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rio Vista

What homes there are in Rio Vista, 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 houses, standing on their own, make up 89% of homes here, against 72% in Solano County.

Year built

Homes in Rio Vista are newer: the typical year built is 2002; in Solano County, 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

$2,259 a month

Solano County: $2,746 a month

Without a mortgage

$769 a month

Solano County: $765 a month

Owners with a mortgage

62%

Solano County: 72%

In Rio Vista, 62% of owners have a mortgage, and their typical cost is $2,259 a month, against $2,746 in Solano County. Without one it drops to $769.

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 Rio Vista gained value more slowly than in Solano County: 42% since 2015–2019, against 52%.

Since 2015–2019, the typical rent in Rio Vista rose 26%, less than in Solano County (36%).

The typical household income in Rio Vista rose 28% over that time; home values changed +42% 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

MeasureRio VistaSolano CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate5.3%8.2%3.4%
People per household 2.012.802.842.53
Drive alone 78%74%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimate2%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%12%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Rio Vista are smaller: 2.01 people on average; in Solano County, 2.80.

To get to work, 78% of workers in Rio Vista drive alone; in Solano County, 74%.

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 Rio Vista?

A typical home costs more than the typical income allows

We start with a typical home in Rio Vista, worth $489,700, 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 Rio Vista, which is $89,306 a year. For that payment to be 28% of income, a household would need to earn about $174,241 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rio Vista. 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 $17,140 (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

$4,066

at 7.18% · 30 years

Loan amount
$480,830
Total interest
$691,801
Paid off in
November 2056

Includes $8,270 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,084 a month

  • Tight

    $2,084 to $2,679 a month

  • Hard

    more than $2,679 a month

    Your payment · 55%

Compared with the typical household income in Rio Vista ($89,306 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,066
Principal & interest$3,257
Property tax$388
Home insurance$204
FHA mortgage insurance (MIP)$217

You need at least $17,140 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

Rio Vista and Solano County

Rio Vista is in Solano 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).

Rio Vista's own numbers

Typical home value
$489,700
Typical monthly rent
$1,724
Typical yearly household income
$89,306
Households that own their home
84%
Effective property tax rate
0.95%

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

Numbers for all of Solano County

FHA limit, one-unit home
$685,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,342
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
3.9%

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 Solano County.

Everything about Solano County

Buying

Buying a home in Rio Vista

A typical home in Rio Vista is worth $489,700: 21% below the county and 33% below California. With the typical household income in Rio Vista ($89,306 a year), a typical home costs 5.5 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.

  • Rio Vista 5.5 years
  • Solano 6.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Solano County

According to FHFA’s house price index, home prices in Solano County rose 76% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.3% +0.8% +2.9%
5 years (2020–2025) +30% +40% +47%
10 years (2015–2025) +76% +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

Rio Vista next to Solano 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
  • Rio Vista $489,700
  • Solano $617,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Rio Vista $1,724
  • Solano $2,163
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Rio Vista $89,306
  • Solano $100,401
  • California $99,122
  • United States $80,734
See the full table
Rio Vista next to Solano County and California
Measure Rio Vista Solano County California U.S.
Typical home value $489,700 $617,700 $734,700 $332,700
Typical monthly rent $1,724 $2,163 $2,036 $1,413
Typical yearly household income $89,306 $100,401 $99,122 $80,734
Households that own their home 84% 63% 56% 65%
Typical yearly property tax $4,630 $4,621 $5,124 $3,119
Effective property tax rate 0.95% 0.75% 0.7% 0.94%
Renters with high rent for their income 43% 60% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Solano 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 Rio Vista

For a typical $489,700 home in Rio Vista, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rio Vista's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,066a month

    Least cash to close
    Down payment
    $17,140
    Cash to close
    $31,831
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $217

  • Conventional, 5% down $3,976a month

    Down payment
    $24,485
    Cash to close
    $39,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $233

  • Conventional, 20% down, no PMI $3,246a month

    Down payment
    $97,940
    Cash to close
    $112,631
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,698a month

    Down payment
    $73,455
    Cash to close
    $88,146
    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 Rio Vista and for Solano County.

Property tax

Effective rate in Rio Vista

0.95%of the home’s value each year

$4,630 a year for the typical owner in Rio Vista.

  • Rio Vista 0.95%
  • Solano 0.75%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Solano County

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

Homes in the high-risk zone
3.9%
5,211
Of those, with NFIP insurance
25%
County California U.S.
Homes in the high-risk zone 3.9% 2.8% 3.5%
Of those, with NFIP insurance 25% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rio Vista

Typical rent in Rio Vista is $1,724 a month: 20% below the county. In Rio Vista, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Solano County, by unit size. To pay the 2-bedroom one ($2,342 a month) without spending more than 30% of your income, you would need to earn $45.04 an hour working full time.

HUD fair market rent for all of Solano 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 $1,706 $32.81 $68,240
1 bedroom $1,876 $36.08 $75,040
2 bedrooms $2,342 $45.04 $93,680
3 bedrooms $3,053 $58.71 $122,120
4 bedrooms $3,483 $66.98 $139,320

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 Rio Vista

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rio Vista is in ZIP code 94571.

For 2 bedrooms it is $1,620: $722 less than the fair market rent for Solano County ($2,342).

  • 94571 $1,620$2,110

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

HUD lists one building with rents for lower incomes in Rio Vista.

  • Casitas del Rio Apts 250 Saint Joseph St, Rio Vista 94571 40 homes, 39 low-income · 1 bd: 14 · 2 bd: 22 · 3 bd: 4 · In service since 2005

See all 60 buildings in Solano County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rio Vista

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Rio Vista

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

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

  • Balance

    2950 Buskirk Ave, Walnut Creek · 26 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, other languages, and Russian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Balance - Concord

    2950 Buskirk Ave, Walnut Creek · 26 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Visionary Home Builders of California

    315 N San Joaquin St, Stockton · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 3 more
    (209) 466-6811

All counseling agencies in California

Help in Spanish near Rio Vista

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 Rio Vista

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

5 other authorities have an office in Solano County: see the list Source: HUD

Cities

Other cities in Solano County

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

Everything about Solano County Housing in California

Nearby cities

The cities closest to Rio Vista, with the typical home value.

Neighboring counties

If Solano 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 Rio Vista.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Rio Vista

Short answers with the numbers for Rio Vista and all of Solano 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 Rio Vista?

The typical home value in Rio Vista is $489,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Solano County it is $617,700.

How much does it cost to rent in Rio Vista?

Typical rent in Rio Vista is $1,724 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Solano County is $2,342.

What is the FHA loan limit in Rio Vista?

Rio Vista uses the FHA limit for all of Solano County (2026): $685,400 for a one-unit home and $1,318,100 for a four-unit home.

How much property tax do owners pay in Rio Vista?

The typical homeowner in Rio Vista pays $4,630 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Solano County, the rate is 0.75%.

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

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