California, MD home prices
Typical home $431,397 · +2.7% in a year · income needed $121,700
The California, MD metro area ranks 115 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.7% in a year and +16.3% over five years. With 20% down at 7.11%, the typical home costs about $2,839 a month including 0.84% property tax (Saint Marys County rate).
Mortgage on the typical California home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $86,279 | $345,117 | $2,322 | $0 | $518 | $2,839 | $121,700 |
| 10% down | $43,140 | $388,257 | $2,612 | $162 | $518 | $3,291 | $141,100 |
| 5% down | $21,570 | $409,827 | $2,757 | $171 | $518 | $3,445 | $147,700 |
| 3.5% down (FHA) | $15,099 | $423,583 | $2,849 | $191 | $518 | $3,558 | $152,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 California area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Marys County, MD | $431,391 | +2.7% | 0.84% |
What can you afford in Maryland on your salary? · Maryland home prices · Salaries in Maryland
Frequently asked questions
How much is a house in California?
The typical home in the California, MD metro area is worth $431,397 (Zillow, September 2026).
What salary do you need to buy a house in California?
About $121,700 a year for the typical home with 20% down at 7.11%.