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City · 143,939 residents · Tulare County, California

Visalia , California

In Visalia, a typical home is worth $371,500 and typical rent is $1,490 a month. Compared with all of Tulare County, typical rent is 16% higher and typical household income is 15% higher.

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  • Typical home value

    $371,500

    13% above the county

    49% below California

    • Visalia
    • Tulare
    • California

  • Typical rent

    $1,490a month

    16% above the county

    27% below California

    • Visalia
    • Tulare
    • California

  • Typical household income

    $81,989a year

    15% above the county

    17% below California

    • Visalia
    • Tulare
    • California

  • Households that own their home

    61%

    3 points above the county

    5 points above California

    • Visalia
    • Tulare
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$396,267
1.7% more than 12 months ago
Typical rent
$1,839 a month
2.2% more than 12 months ago

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

Visalia is in Tulare 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 Tulare County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Visalia apart

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

  1. Nearby, in Woodlake, the typical rent is $968: 35% less than in Visalia ($1,490).

  2. Nearby, in Farmersville, the typical home value is $248,500: 33% less than in Visalia ($371,500).

  3. The typical rent in Visalia is $1,490 a month, 16% more than in Tulare County as a whole ($1,280).

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

The homes here

Housing in Visalia

What homes there are in Visalia, 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

As in Tulare County, most homes in Visalia are detached houses (76%).

Year built

The typical home in Visalia was built in 1988, 5 years after the typical one in Tulare County.

By size, homes in Visalia look like those in Tulare County: 72% have 3 bedrooms or more.

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

About 84% of owner-occupied homes in Visalia are worth less than the FHA loan limit for Tulare County ($541,287).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,450), about 47% of rented homes in Visalia cost less.

With a mortgage

$2,016 a month

Tulare County: $1,868 a month

Without a mortgage

$588 a month

Tulare County: $569 a month

Owners with a mortgage

72%

Tulare County: 65%

The typical cost for an owner with a mortgage in Visalia is $2,016 a month, more than in Tulare County ($1,868); without one, $588.

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 Visalia gained value more slowly than in Tulare County: 57% since 2015–2019, against 61%.

The typical rent in Visalia rose 42% over the same time; in Tulare County, it rose 36%.

Here income did not keep up with housing: it rose 32%, while home values changed +57% and rent +42%.

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

MeasureVisaliaTulare CountyCaliforniaUnited States
Rental vacancy 4.0%2.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 6.4%10.4%8.2%3.4%
People per household 3.023.302.842.53
Drive alone 77%77%66%69%
Carpool 12%14%10%9%
Public transit Unreliable estimate0%3%3%
Walk or bike 2%2%3%3%
Work from home 8%6%17%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Visalia: 4.0% is empty and offered for rent, against 2.7% in Tulare County.

In Visalia, 6.4% of households live with more than one person per room, against 10.4% in Tulare County.

Households in Visalia are smaller: 3.02 people on average; in Tulare County, 3.30.

In Visalia, 77% of workers drive alone to work; in Tulare County, 77%.

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 Visalia?

A typical home costs more than the typical income allows

We start with a typical home in Visalia, worth $371,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Visalia, which is $81,989 a year. For that payment to be 28% of income, a household would need to earn about $129,398 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Visalia. 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 $13,003 (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

$3,019

at 7.18% · 30 years

Loan amount
$364,771
Total interest
$524,819
Paid off in
November 2056

Includes $6,274 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,913 a month

  • Tight

    $1,913 to $2,460 a month

  • Hard

    more than $2,460 a month

    Your payment · 44%

Compared with the typical household income in Visalia ($81,989 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,019
Principal & interest$2,471
Property tax$229
Home insurance$155
FHA mortgage insurance (MIP)$164

You need at least $13,003 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

Visalia and Tulare County

Visalia is in Tulare 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).

Visalia's own numbers

Typical home value
$371,500
Typical monthly rent
$1,490
Typical yearly household income
$81,989
Households that own their home
61%
Effective property tax rate
0.74%

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

Numbers for all of Tulare County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,450
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
14%

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 Tulare County.

Everything about Tulare County

Buying

Buying a home in Visalia

A typical home in Visalia is worth $371,500: 13% above the county and 49% below California. With the typical household income in Visalia ($81,989 a year), a typical home costs 4.5 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.

  • Visalia 4.5 years
  • Tulare 4.6 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tulare County

According to FHFA’s house price index, home prices in Tulare County rose 102% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +3.8% +0.8% +2.9%
5 years (2020–2025) +53% +40% +47%
10 years (2015–2025) +102% +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

Visalia next to Tulare 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
  • Visalia $371,500
  • Tulare $330,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Visalia $1,490
  • Tulare $1,280
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Visalia $81,989
  • Tulare $71,300
  • California $99,122
  • United States $80,734
See the full table
Visalia next to Tulare County and California
Measure Visalia Tulare County California U.S.
Typical home value $371,500 $330,100 $734,700 $332,700
Typical monthly rent $1,490 $1,280 $2,036 $1,413
Typical yearly household income $81,989 $71,300 $99,122 $80,734
Households that own their home 61% 58% 56% 65%
Typical yearly property tax $2,741 $2,318 $5,124 $3,119
Effective property tax rate 0.74% 0.7% 0.7% 0.94%
Renters with high rent for their income 50% 50% 55% 51%

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

For a typical $371,500 home in Visalia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Visalia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,019a month

    Least cash to close
    Down payment
    $13,003
    Cash to close
    $24,148
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $2,951a month

    Down payment
    $18,575
    Cash to close
    $29,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,397a month

    Down payment
    $74,300
    Cash to close
    $85,445
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,741a month

    Down payment
    $55,725
    Cash to close
    $66,870
    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 Visalia and for Tulare County.

Property tax

Effective rate in Visalia

0.74%of the home’s value each year

$2,741 a year for the typical owner in Visalia.

  • Visalia 0.74%
  • Tulare 0.7%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Tulare County

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

Homes in the high-risk zone
14%
18,585
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 14% 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 Visalia

Typical rent in Visalia is $1,490 a month: 16% above the county. In Visalia, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tulare County, by unit size. To pay the 2-bedroom one ($1,450 a month) without spending more than 30% of your income, you would need to earn $27.88 an hour working full time.

HUD fair market rent for all of Tulare 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 $1,101 $21.17 $44,040
1 bedroom $1,108 $21.31 $44,320
2 bedrooms $1,450 $27.88 $58,000
3 bedrooms $1,995 $38.37 $79,800
4 bedrooms $2,338 $44.96 $93,520

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 Visalia

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

For 2 bedrooms it runs from $1,560 in 93291 to $1,700 in 93292.

3 of the 3 are above the fair market rent for Tulare County ($1,450).

  • 93277 $1,620$2,230
  • 93291 $1,560$2,150
  • 93292 $1,700$2,340

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

HUD lists 11 buildings with rents for lower incomes in Visalia. These are the largest.

  • Visalia 1318 N Burke St, Visalia 93292 199 low-income homes · Run by Tulare County Housing Authority · Average payment: $176 a month (559) 627-3700
  • Town Meadows 115 W Murray Ave, Visalia 93291 100 low-income homes · 1 bd: 99 · 2 bd: 1 · In service since 2020 · For older adults (559) 627-2220
  • Kimball Court 303 W Kimball Ave, Visalia 93277 95 homes, 94 low-income · 1 bd: 94 · 2 bd: 1 · In service since 2000 · For older adults
  • Goshen Village 30940 Road 72, Visalia 93291 64 homes, 63 low-income · 2 bd: 26 · 3 bd: 32 · 4 bd: 6 · In service since 2002
  • Visalia Garden Villas 4901 W Crenshaw Ct, Visalia 93277 60 low-income homes · In service since 1990

See all 92 buildings in Tulare County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Visalia

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 Tulare County; none says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Visalia

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

The HUD-approved agencies closest to the center of Visalia, 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 · 2 miles away

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

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 3 miles away

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

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 39 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (559) 209-8031

Every agency in Tulare County All counseling agencies in California

Help in Spanish near Visalia

None 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 Visalia

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

  • Tulare County Housing Authority Public housing and Section 8 vouchers (559) 627-3700

All housing agencies in California Source: HUD

Cities

Other cities in Tulare County

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

Everything about Tulare County Housing in California

Nearby cities

The cities closest to Visalia, with the typical home value.

Neighboring counties

If Tulare 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 Visalia.

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

Questions

Housing questions about Visalia

Short answers with the numbers for Visalia and all of Tulare 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 Visalia?

The typical home value in Visalia is $371,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tulare County it is $330,100.

How much does it cost to rent in Visalia?

Typical rent in Visalia is $1,490 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tulare County is $1,450.

What is the FHA loan limit in Visalia?

Visalia uses the FHA limit for all of Tulare 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 Visalia?

The typical homeowner in Visalia pays $2,741 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Tulare County, the rate is 0.7%.

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

There are 2 HUD-approved counseling agencies with an office in Tulare County. 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).