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City · 85,993 residents · Contra Costa County, California

San Ramon , California

In San Ramon, a typical home is worth $1,509,500 and typical rent is $2,968 a month. Compared with all of Contra Costa County, the typical home value is 74% higher and typical household income is 54% higher.

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  • Typical home value

    $1,509,500

    74% above the county

    105% above California

    • San Ramon
    • Contra Costa
    • California

  • Typical rent

    $2,968a month

    25% above the county

    46% above California

    • San Ramon
    • Contra Costa
    • California

  • Typical household income

    $196,161a year

    54% above the county

    98% above California

    • San Ramon
    • Contra Costa
    • California

  • Households that own their home

    71%

    3 points above the county

    15 points above California

    • San Ramon
    • Contra Costa
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$1,447,415
3% less than 12 months ago
Typical rent
$3,121 a month
6.2% more than 12 months ago

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

San Ramon 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 San Ramon apart

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

  1. The typical home in San Ramon is worth $1,509,500, 74% more than in Contra Costa County as a whole ($866,800).

  2. The typical household income in San Ramon is $196,161, 54% more than in Contra Costa County as a whole ($127,229).

  3. The typical rent in San Ramon is $2,968 a month, 25% more than in Contra Costa County as a whole ($2,375).

  4. Nearby, in Camino Tassajara, the typical rent is $2,422: 18% less than in San Ramon ($2,968).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in San Ramon fell 3%; in California, it rose 0.6%.

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

The homes here

Housing in San Ramon

What homes there are in San Ramon, 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 San Ramon, 6 in 10 homes are single-family detached houses; in Contra Costa County, 7.

Year built

The typical home in San Ramon was built in 1994, 16 years after the typical one in Contra Costa County.

There is more room for a big family here: 74% of homes have 3 bedrooms or more, against 67% in Contra Costa 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

Without a mortgage

$1,370 a month

Contra Costa County: $1,009 a month

Owners with a mortgage

76%

Contra Costa County: 71%

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

From 2015–2019 to 2020–2024, the typical home value in San Ramon rose 57%; in Contra Costa County, it rose 39%.

The typical rent in San Ramon rose 24% over the same time; in Contra Costa County, it rose 31%.

To compare: typical income in San Ramon rose 22%; the home, +57%; the rent, +24%.

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

MeasureSan RamonContra 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 3.6%5.4%8.2%3.4%
People per household 2.852.782.842.53
Drive alone 55%60%66%69%
Carpool 5%10%10%9%
Public transit 3%5%3%3%
Walk or bike 2%2%3%3%
Work from home 34%21%17%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

In San Ramon, 3.6% of households live with more than one person per room, against 5.4% in Contra Costa County.

Much as in Contra Costa County, a household in San Ramon has 2.85 people on average.

Many people here do not commute at all: 34% work from home; in Contra Costa County, 21%.

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 San Ramon?

A typical home costs more than the typical income allows

We start with a typical home in San Ramon, worth $1,509,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in San Ramon, which is $196,161 a year. For that payment to be 28% of income, a household would need to earn about $531,868 a year. Note: at that price the loan is above the FHA limit for Contra Costa County ($1,249,125), so FHA would not insure it; the payment is only a reference.

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 San Ramon. 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 $52,833 (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

$12,410

at 7.18% · 30 years

Loan amount
$1,482,159
Total interest
$2,132,479
Paid off in
November 2056

Includes $25,492 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,577 a month

  • Tight

    $4,577 to $5,885 a month

  • Hard

    more than $5,885 a month

    Your payment · 76%

Compared with the typical household income in San Ramon ($196,161 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$12,410
Principal & interest$10,041
Property tax$830
Home insurance$629
FHA mortgage insurance (MIP)$910

This loan is over the FHA limit

You'd borrow $1,456,667, but the FHA limit for a one-unit home in San Ramon is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $52,833 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

San Ramon and Contra Costa County

San Ramon 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).

San Ramon's own numbers

Typical home value
$1,509,500
Typical monthly rent
$2,968
Typical yearly household income
$196,161
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 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 San Ramon

A typical home in San Ramon is worth $1,509,500: 74% above the county and 105% above California. With the typical household income in San Ramon ($196,161 a year), a typical home costs 7.7 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.

  • San Ramon 7.7 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

San Ramon 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
  • San Ramon $1,509,500
  • Contra Costa $866,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • San Ramon $2,968
  • Contra Costa $2,375
  • California $2,036
  • United States $1,413
Typical yearly household income
  • San Ramon $196,161
  • Contra Costa $127,229
  • California $99,122
  • United States $80,734
See the full table
San Ramon next to Contra Costa County and California
Measure San Ramon Contra Costa County California U.S.
Typical home value $1,509,500 $866,800 $734,700 $332,700
Typical monthly rent $2,968 $2,375 $2,036 $1,413
Typical yearly household income $196,161 $127,229 $99,122 $80,734
Households that own their home 71% 68% 56% 65%
Typical yearly property tax $10,001 $7,156 $5,124 $3,119
Effective property tax rate 0.66% 0.83% 0.7% 0.94%
Renters with high rent for their income 49% 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 San Ramon

For a typical $1,509,500 home in San Ramon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Ramon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $12,410a month

    Above the FHA limit for Contra Costa County ($1,249,125)
    Down payment
    $52,833
    Cash to close
    $98,118
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $910

  • Conventional, 5% down $11,891a month

    Above the conventional limit for Contra Costa County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $75,475
    Cash to close
    $120,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $717

  • Conventional, 20% down, no PMI $9,640a month

    Least cash to close
    Down payment
    $301,900
    Cash to close
    $347,185
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $11,035a month

    Down payment
    $226,425
    Cash to close
    $271,710
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • 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 San Ramon and for Contra Costa County.

Property tax

Effective rate in San Ramon

0.66%of the home’s value each year

$10,001 a year for the typical owner in San Ramon.

  • San Ramon 0.66%
  • 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 San Ramon

Typical rent in San Ramon is $2,968 a month: 25% above the county. In San Ramon, 49% 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 San Ramon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Ramon has 2 ZIP codes with their own.

For 2 bedrooms it runs from $3,430 in 94582 to $3,550 in 94583.

2 of the 2 are above the fair market rent for Contra Costa County ($2,805).

  • 94582 $3,430$4,390
  • 94583 $3,550$4,550

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for San Ramon 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 San Ramon

HUD lists 5 buildings with rents for lower incomes in San Ramon. These are the largest.

  • Muirlands at Windemere Apts 1108 Crestfield Dr, San Ramon 94582 350 homes, 349 low-income · 1 bd: 128 · 2 bd: 130 · 3 bd: 92 · In service since 2005
  • Valley Vista Senior Housing 20503 San Ramon Valley Blvd, San Ramon 94583 105 homes, 104 low-income · 1 bd: 90 · 2 bd: 15 · In service since 2011 · For older adults
  • Valley Vista Senior Housing 20709 San Ramon Valley Blvd, San Ramon 94583 105 homes, 89 low-income · For older adults (925) 551-3300
  • Highlands Point Apts 2311 Ivy Hill Way, San Ramon 94582 293 homes, 60 low-income · 1 bd: 96 · 2 bd: 137 · 3 bd: 60 · In service since 2012
  • Villa San Ramon 9199 Fircrest Ln, San Ramon 94583 120 homes, 24 low-income · In service since 1992 · For older adults

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

Free help

Help to buy or rent in San Ramon

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in San Ramon

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

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

  • Eden Council for Hope and Opportunity (ECHO)

    22551 2nd St Ste 200, Hayward · 10 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    • and 2 more
    (510) 581-9380

  • A-1 Community Housing Services

    22320 Foothill Blvd Ste 200, Hayward · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 674-9227

  • Balance

    2950 Buskirk Ave, Walnut Creek · 13 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

Every agency in Contra Costa County All counseling agencies in California

Help in Spanish near San Ramon

3 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 San Ramon

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

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

Questions

Housing questions about San Ramon

Short answers with the numbers for San Ramon 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 San Ramon?

The typical home value in San Ramon is $1,509,500, 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 San Ramon?

Typical rent in San Ramon is $2,968 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 San Ramon?

San Ramon 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 San Ramon?

The typical homeowner in San Ramon pays $10,001 a year, according to the U.S. Census Bureau. That is 0.66% 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 San Ramon?

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).