San Luis Obispo, CA
Stress
55STRESS
Risk
40MODERATE
7d
Generating analysis...
BuyingChallenging for buyers
Affordability is severely stretched in San Luis Obispo. Budget carefully, expect competition to ease, consider nearby metros.
SellingMarket is shifting
Moderate correction risk. Price competitively. Overpriced listings are sitting longer.
OwningMonitor closely
Both stress and risk elevated. Avoid taking on debt against equity.
Score Breakdown
$911K+1.4% YoY
26.1%of listings reduced
33median
925+3.5% YoY
$5,375PITI on median
91.0%of income
0.02%
6.66%
5.2%state (BLS)
WestBLS regional adjustment
Larger shape = more stress from more sources.
Market Signals
12-MONTH FORECAST
Statistical projection based on historical trends.
12-month price projectionTrend direction, confidence bands, and R-squared fit.
Try FreeAffordability
AFFORDABILITYRenting $2,540/mo cheaper ($2,835 rent)6.66% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for San Luis Obispo.
$182,287 on $911,433.65
Out of reach — 86% of income
Need $230,357/yr to afford.
PITI$5,375
P/I86%
Afford$297K
Gap-$615K
P&I $4,686Tax $539Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
RENT VS BUY
Rent$2,835/mo
Buy (PITI)$5,375/mo
Renting 90% cheaper20% down, 6.66%, 30yr fixed, full PITI
26.8xSeverely Overvalued
3 years
051015yr
Extra/mo$2,540
Equity/yr$43,777
Buying pays off quickly.
Trend
Score HistoryJul 31, 2026
Rising = worse for buyers.
Full 2-year history30 days free. Pro unlocks everything.
Try FreeReading
Guides for navigating a stressed market.