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.
See the full metro analysis: Merced, CA stress score, crash risk, and 12-month forecast →
Home Value$410,897
-0.1%
Rent$1,669/mo
AFFORDABILITYRenting $802/mo cheaper ($1,669 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Atwater.
$82,179 on $410,897
Out of reach — 39.5% of income
Need $105,900/yr to afford.
PITI$2,471
P/I39.5%
Afford$291K
Gap-$120K
P&I $2,078Tax $243Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
Compare Atwater with other housing markets across California.
Full Merced, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Merced, CA metro.
View Merced, CA metro →