Mono County, California home prices
Typical home $758,836 · +3.2% in a year · property tax 0.65%
The typical home in Mono County is worth $758,836, about the same as the California typical home ($761,538). Values changed +3.2% in the past year and +16.2% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($4,957 on the typical home), versus 0.72% statewide.
Mortgage on the typical Mono County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $151,767 | $607,069 | $4,084 | $0 | $793 | $4,876 | $209,000 |
| 10% down | $75,884 | $682,952 | $4,594 | $285 | $793 | $5,671 | $243,100 |
| 5% down | $37,942 | $720,894 | $4,849 | $300 | $793 | $5,942 | $254,700 |
| 3.5% down (FHA) | $26,559 | $745,091 | $5,012 | $336 | $793 | $6,140 | $263,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Benito County | $763,020 | +0.1% | 0.81% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
| Placer County | $684,800 | +1.3% | 0.84% |
| Monterey County | $841,129 | +1.2% | 0.63% |
| El Dorado County | $648,637 | +0.8% | 0.7% |
| Napa County | $869,491 | -1.0% | 0.69% |
| Ventura County | $869,794 | +1.1% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
Frequently asked questions
What is the average home price in Mono County, CA?
The typical home value in Mono County is $758,836 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mono County?
About $209,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mono County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).