Bakersfield, CA home prices
Typical home $360,210 · +0.0% in a year · income needed $102,100
The Bakersfield, CA metro area ranks 207 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.0% in a year and +22.2% over five years. With 20% down at 7.11%, the typical home costs about $2,383 a month including 0.88% property tax (Kern County rate).
Mortgage on the typical Bakersfield home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,042 | $288,168 | $1,939 | $0 | $445 | $2,383 | $102,100 |
| 10% down | $36,021 | $324,189 | $2,181 | $135 | $445 | $2,761 | $118,300 |
| 5% down | $18,010 | $342,199 | $2,302 | $143 | $445 | $2,889 | $123,800 |
| 3.5% down (FHA) | $12,607 | $353,685 | $2,379 | $159 | $445 | $2,983 | $127,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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.
Counties in the Bakersfield area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kern County, CA | $360,205 | +0.0% | 0.88% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Bakersfield?
The typical home in the Bakersfield, CA metro area is worth $360,210 (Zillow, September 2026).
What salary do you need to buy a house in Bakersfield?
About $102,100 a year for the typical home with 20% down at 7.11%.