The median home in Atwater, California is valued at $410,897, down 0.1% year over year. Typical monthly rent is $1,669, producing a price-to-rent ratio of 20.5x — well above the national average of 18x. Atwater is part of the Merced, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$410,897

-0.1%

Rent$1,669/mo

Prices falling — better for buyers.

Affordability

Enter your income for Atwater.

Income (annual)

Down Payment

$82,179 on $410,897

Example: $75,000 household income. Change it above to see your own.

Out of reach39.5% of income

Need $105,900/yr to afford.

PITI$2,471

P/I39.5%

Afford$291K

Gap-$120K

P&I $2,078Tax $243Ins $150

Renting $802/mo cheaper ($1,669 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Atwater with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full Merced, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Merced, CA metro.

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Atwater, CA