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City · 125,205 residents · Ventura County, California

Thousand Oaks , California

In Thousand Oaks, a typical home is worth $991,600 and typical rent is $2,664 a month. Compared with all of Ventura County, typical household income is 24% higher, the typical home value is 21% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $991,600

    21% above the county

    35% above California

    • Thousand Oaks
    • Ventura
    • California

  • Typical rent

    $2,664a month

    15% above the county

    31% above California

    • Thousand Oaks
    • Ventura
    • California

  • Typical household income

    $135,603a year

    24% above the county

    37% above California

    • Thousand Oaks
    • Ventura
    • California

  • Households that own their home

    71%

    6 points above the county

    15 points above California

    • Thousand Oaks
    • Ventura
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$1,027,863
1.8% more than 12 months ago
Typical rent
$3,357 a month
1.5% more than 12 months ago

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

Thousand Oaks is in Ventura County. The FHA loan limit ($1,035,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ventura County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Thousand Oaks apart

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

  1. The typical household income in Thousand Oaks is $135,603, 24% more than in Ventura County as a whole ($109,797).

  2. Nearby, in Simi Valley, the typical home value is $823,800: 17% less than in Thousand Oaks ($991,600).

  3. The typical home in Thousand Oaks is worth $991,600, 21% more than in Ventura County as a whole ($822,700).

  4. 71% of households in Thousand Oaks own their home, against 65% in Ventura County.

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

The homes here

Housing in Thousand Oaks

What homes there are in Thousand Oaks, 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 rules in Thousand Oaks: 66% of homes, more than in Ventura County (63%).

Year built

The typical year built in Thousand Oaks is 1978, about the same as in Ventura County (1978).

In Thousand Oaks, 73% of homes have 3 bedrooms or more, more than in Ventura County (65%).

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

$3,580 a month

Ventura County: $3,105 a month

Without a mortgage

$983 a month

Ventura County: $847 a month

Owners with a mortgage

71%

Ventura County: 69%

Owning costs more in Thousand Oaks: with a mortgage, the typical cost is $3,580 a month; in Ventura County, $3,105. Without one, $983.

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 Thousand Oaks rose 37%; in Ventura County, it rose 40%.

The typical rent in Thousand Oaks rose 27% over the same time; in Ventura County, it rose 31%.

The typical household income in Thousand Oaks rose 24% over that time; home values changed +37% and rent +27%.

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

MeasureThousand OaksVentura CountyCaliforniaUnited States
Rental vacancy 3.9%3.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room 3.3%7.0%8.2%3.4%
People per household 2.632.942.842.53
Drive alone 64%70%66%69%
Carpool 8%10%10%9%
Public transit 1%1%3%3%
Walk or bike 2%2%3%3%
Work from home 24%16%17%15%
Other means 2%1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Thousand Oaks look like those in Ventura County: the rental vacancy rate is 3.9%.

Fewer households are short on space in Thousand Oaks: 3.3% have more than one person per room; in Ventura County, 7.0%.

On average, a household in Thousand Oaks has 2.63 people, fewer than in Ventura County (2.94).

Many people here do not commute at all: 24% work from home; in Ventura County, 16%.

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 Thousand Oaks?

A typical home costs more than the typical income allows

We start with a typical home in Thousand Oaks, worth $991,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Thousand Oaks, which is $135,603 a year. For that payment to be 28% of income, a household would need to earn about $350,450 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Thousand Oaks. 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 $34,706 (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

$8,177

at 7.18% · 30 years

Loan amount
$973,640
Total interest
$1,400,839
Paid off in
November 2056

Includes $16,746 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,164 a month

  • Tight

    $3,164 to $4,068 a month

  • Hard

    more than $4,068 a month

    Your payment · 72%

Compared with the typical household income in Thousand Oaks ($135,603 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,177
Principal & interest$6,596
Property tax$570
Home insurance$413
FHA mortgage insurance (MIP)$598

You need at least $34,706 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

Thousand Oaks and Ventura County

Thousand Oaks is in Ventura 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).

Thousand Oaks's own numbers

Typical home value
$991,600
Typical monthly rent
$2,664
Typical yearly household income
$135,603
Households that own their home
71%
Effective property tax rate
0.69%

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

Numbers for all of Ventura County

FHA limit, one-unit home
$1,035,000
Conventional limit, one unit
$1,035,000
HUD fair market rent, 2 bedrooms
$2,424
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.2%

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 Ventura County.

Everything about Ventura County

Buying

Buying a home in Thousand Oaks

A typical home in Thousand Oaks is worth $991,600: 21% above the county and 35% above California. With the typical household income in Thousand Oaks ($135,603 a year), a typical home costs 7.3 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.

  • Thousand Oaks 7.3 years
  • Ventura 7.5 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ventura County

According to FHFA’s house price index, home prices in Ventura County rose 78% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +44% +40% +47%
10 years (2015–2025) +78% +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

Thousand Oaks next to Ventura 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
  • Thousand Oaks $991,600
  • Ventura $822,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Thousand Oaks $2,664
  • Ventura $2,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Thousand Oaks $135,603
  • Ventura $109,797
  • California $99,122
  • United States $80,734
See the full table
Thousand Oaks next to Ventura County and California
Measure Thousand Oaks Ventura County California U.S.
Typical home value $991,600 $822,700 $734,700 $332,700
Typical monthly rent $2,664 $2,317 $2,036 $1,413
Typical yearly household income $135,603 $109,797 $99,122 $80,734
Households that own their home 71% 65% 56% 65%
Typical yearly property tax $6,821 $5,574 $5,124 $3,119
Effective property tax rate 0.69% 0.68% 0.7% 0.94%
Renters with high rent for their income 56% 59% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ventura 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 Thousand Oaks

For a typical $991,600 home in Thousand Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Thousand Oaks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,177a month

    Least cash to close
    Down payment
    $34,706
    Cash to close
    $64,454
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $598

  • Conventional, 5% down $7,836a month

    Down payment
    $49,580
    Cash to close
    $79,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $471

  • Conventional, 20% down, no PMI $6,357a month

    Down payment
    $198,320
    Cash to close
    $228,068
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,274a month

    Down payment
    $148,740
    Cash to close
    $178,488
    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 Thousand Oaks and for Ventura County.

Property tax

Effective rate in Thousand Oaks

0.69%of the home’s value each year

$6,821 a year for the typical owner in Thousand Oaks.

  • Thousand Oaks 0.69%
  • Ventura 0.68%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Ventura County

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

Homes in the high-risk zone
3.2%
7,333
Of those, with NFIP insurance
31%
County California U.S.
Homes in the high-risk zone 3.2% 2.8% 3.5%
Of those, with NFIP insurance 31% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Thousand Oaks

Typical rent in Thousand Oaks is $2,664 a month: 15% above the county. In Thousand Oaks, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ventura County, by unit size. To pay the 2-bedroom one ($2,424 a month) without spending more than 30% of your income, you would need to earn $46.62 an hour working full time.

HUD fair market rent for all of Ventura 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 $1,827 $35.13 $73,080
1 bedroom $2,035 $39.13 $81,400
2 bedrooms $2,424 $46.62 $96,960
3 bedrooms $3,287 $63.21 $131,480
4 bedrooms $3,816 $73.38 $152,640

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 Thousand Oaks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Thousand Oaks has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,680 in 91360 to $3,040 in 91362.

3 of the 3 are above the fair market rent for Ventura County ($2,424).

  • 91320 $2,880$3,900
  • 91360 $2,680$3,630
  • 91362 $3,040$4,070

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

HUD lists 16 buildings with rents for lower incomes in Thousand Oaks. These are the largest.

  • Shadows Apts 1949 Los Feliz Dr, Thousand Oaks 91362 148 homes, 147 low-income · 1 bd: 56 · 2 bd: 92 · In service since 2007
  • Conejo Future Apts. 130 Brazil St, Thousand Oaks 91360 90 low-income homes · For older adults
  • Villa Garcia (thousand Oaks) 1379 E Thousand Oaks Blvd, Thousand Oaks 91362 80 homes, 79 low-income · 1 bd: 40 · 2 bd: 20 · 3 bd: 20 · In service since 1999 · For families
  • Villa Garcia 1379 E Thousand Oaks Blvd, Thousand Oaks 91362 79 low-income homes · 1 bd: 40 · 2 bd: 20 · 3 bd: 20 · In service since 2016 · For families
  • Florence Janss Apts 210 Brazil St, Thousand Oaks 91360 64 homes, 63 low-income · Run by Housing Authority of the County of Ventura · Average payment: $469 a month · Average wait: 60 months (805) 480-9991

See all 120 buildings in Ventura County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Thousand Oaks

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 2 HUD-approved agencies with an office in Ventura County; 1 says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Thousand Oaks

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

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

  • Centro Familia Esperanza

    1720 E Los Angeles Ave Ste 216, Simi Valley · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (805) 813-8751

  • My Way Home

    2231 Sturgis Rd Unit A, Oxnard · 16 miles away · Spanish

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

  • Money Management International, Los Angeles

    6080 Center Dr Fl 6, Los Angeles · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

Every agency in Ventura County All counseling agencies in California

Help in Spanish near Thousand Oaks

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 Thousand Oaks

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

  • Housing Authority of the County of Ventura Public housing and Section 8 vouchers (805) 480-9991

4 other authorities have an office in Ventura County: see the list Source: HUD

Cities

Other cities in Ventura County

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

Everything about Ventura County Housing in California
See 1 more city in Ventura County, with its price and rent

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

Nearby cities

The cities closest to Thousand Oaks, with the typical home value.

Neighboring counties

If Ventura 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 Thousand Oaks.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Thousand Oaks

Short answers with the numbers for Thousand Oaks and all of Ventura 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 Thousand Oaks?

The typical home value in Thousand Oaks is $991,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ventura County it is $822,700.

How much does it cost to rent in Thousand Oaks?

Typical rent in Thousand Oaks is $2,664 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ventura County is $2,424.

What is the FHA loan limit in Thousand Oaks?

Thousand Oaks uses the FHA limit for all of Ventura County (2026): $1,035,000 for a one-unit home and $1,990,450 for a four-unit home.

How much property tax do owners pay in Thousand Oaks?

The typical homeowner in Thousand Oaks pays $6,821 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Ventura County, the rate is 0.68%.

Where can I find free help to buy or rent in Thousand Oaks?

There are 2 HUD-approved counseling agencies with an office in Ventura County. 1 says it serves 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).