How much house can I afford on $180,000 in California?
About $648,000 with 20% down ($516,000 with an FHA loan), using California's 0.72% property tax rate.
That is $113,425 less than the typical California home ($761,538), so on $180,000 you'd look at cheaper areas or a smaller home. The payment of $4,200 covers $3,488 principal and interest, $388 property tax and $324 insurance.
Counties in California you can afford on $180,000
38 of 58 counties have a typical home value at or below $648,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yolo County | $612,563 | -0.3% | 0.77% |
| Nevada County | $610,265 | +0.8% | 0.75% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Solano County | $571,152 | -0.9% | 0.75% |
| San Bernardino County | $548,565 | +0.9% | 0.7% |
| Inyo County | $524,036 | +5.7% | 0.74% |
| Sacramento County | $521,128 | -0.5% | 0.73% |
| San Joaquin County | $519,776 | -2.1% | 0.75% |
| Alpine County | $508,465 | -2.0% | 0.77% |
| Mendocino County | $480,674 | -1.2% | 0.69% |
| Stanislaus County | $461,114 | +0.2% | 0.71% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| Calaveras County | $429,409 | -2.0% | 0.73% |
| Madera County | $421,927 | +1.7% | 0.7% |
| Amador County | $415,589 | -0.3% | 0.71% |
| Yuba County | $415,272 | -0.8% | 0.74% |
| Merced County | $413,640 | -0.3% | 0.67% |
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Fresno County | $404,056 | +1.1% | 0.74% |
| Butte County | $394,052 | +0.2% | 0.69% |
| Mariposa County | $385,831 | -0.8% | 0.61% |
| Tuolumne County | $385,440 | -1.2% | 0.66% |
| Imperial County | $382,001 | +4.7% | 0.77% |
| Colusa County | $371,142 | +0.6% | 0.62% |
| Shasta County | $367,699 | +0.0% | 0.69% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in California
Frequently asked questions
How much house can I afford on $180,000 in California?
About $648,000 with 20% down at 7.11%, keeping the payment (with California's 0.72% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in California?
Not the typical home: the typical California home is worth $761,538 (Zillow, September 2026) and $180,000 supports about $648,000. 38 of 58 counties are within budget.