San Benito County, California home prices
Typical home $763,020 · +0.1% in a year · property tax 0.81%
The typical home in San Benito County is worth $763,020, about the same as the California typical home ($761,538). Values changed +0.1% in the past year and -1.0% over five years. Homeowners here pay a median 0.81% of their home's value in property tax each year ($6,194 on the typical home), versus 0.72% statewide.
Mortgage on the typical San Benito County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $152,604 | $610,416 | $4,106 | $0 | $898 | $5,004 | $214,500 |
| 10% down | $76,302 | $686,718 | $4,620 | $286 | $898 | $5,803 | $248,700 |
| 5% down | $38,151 | $724,869 | $4,876 | $302 | $898 | $6,076 | $260,400 |
| 3.5% down (FHA) | $26,706 | $749,200 | $5,040 | $337 | $898 | $6,275 | $268,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 San Jose metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mono County | $758,836 | +3.2% | 0.65% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
| Monterey County | $841,129 | +1.2% | 0.63% |
| Placer County | $684,800 | +1.3% | 0.84% |
| 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% |
| El Dorado County | $648,637 | +0.8% | 0.7% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
Frequently asked questions
What is the average home price in San Benito County, CA?
The typical home value in San Benito County is $763,020 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Benito County?
About $214,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Benito County?
The median effective rate is 0.81% of home value a year (Census ACS 2024 5-year estimates).