Merced County, California home prices
Typical home $413,640 · -0.3% in a year · property tax 0.67%
The typical home in Merced County is worth $413,640, 46% less than the California typical home ($761,538). Values changed -0.3% in the past year and +11.1% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($2,781 on the typical home), versus 0.72% statewide.
Mortgage on the typical Merced County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,728 | $330,912 | $2,226 | $0 | $439 | $2,665 | $114,200 |
| 10% down | $41,364 | $372,276 | $2,504 | $155 | $439 | $3,098 | $132,800 |
| 5% down | $20,682 | $392,958 | $2,643 | $164 | $439 | $3,246 | $139,100 |
| 3.5% down (FHA) | $14,477 | $406,148 | $2,732 | $183 | $439 | $3,354 | $143,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 Merced metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Yuba County | $415,272 | -0.8% | 0.74% |
| Amador County | $415,589 | -0.3% | 0.71% |
| Madera County | $421,927 | +1.7% | 0.7% |
| Fresno County | $404,056 | +1.1% | 0.74% |
| Calaveras County | $429,409 | -2.0% | 0.73% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| 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 Merced County, CA?
The typical home value in Merced County is $413,640 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Merced County?
About $114,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Merced County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).