Madera County, California home prices
Typical home $421,927 · +1.7% in a year · property tax 0.7%
The typical home in Madera County is worth $421,927, 45% less than the California typical home ($761,538). Values changed +1.7% in the past year and +18.8% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($2,957 on the typical home), versus 0.72% statewide.
Mortgage on the typical Madera County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,385 | $337,541 | $2,271 | $0 | $457 | $2,728 | $116,900 |
| 10% down | $42,193 | $379,734 | $2,554 | $158 | $457 | $3,170 | $135,900 |
| 5% down | $21,096 | $400,830 | $2,696 | $167 | $457 | $3,321 | $142,300 |
| 3.5% down (FHA) | $14,767 | $414,284 | $2,787 | $187 | $457 | $3,431 | $147,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% 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.
What it takes: see what you can afford by salary in California · part of the Madera metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Amador County | $415,589 | -0.3% | 0.71% |
| Yuba County | $415,272 | -0.8% | 0.74% |
| Calaveras County | $429,409 | -2.0% | 0.73% |
| Merced County | $413,640 | -0.3% | 0.67% |
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| 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% |
Frequently asked questions
What is the average home price in Madera County, CA?
The typical home value in Madera County is $421,927 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Madera County?
About $116,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Madera County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).