What income do you need to buy a house in Los Osos, CA?
It takes about $224,000/yr to afford the typical Los Osos, CA home ($874K, +2.2% past year) at today's rates. Starter homes run around $723K. See if you can afford a house in Los Osos (2026 data) — free, no signup.
Market snapshot (2026-07)
- Income needed to buy the typical home: about $224,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, CA property tax and insurance)
- Typical home value: $874K (Zillow ZHVI, 2026-07)
- 1-year change: +2.2%
- Bottom 35% of homes: $723K
- Top 35% of homes start around: $1.17M
- Typical rent: $2,875/mo
- Median household income: $109K
- Price-to-income ratio: 8.0
- Estimated payment on the typical home: $4,540/mo principal & interest (20% down, 6.76% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in California
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
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