The median home in Carmel-by-the-Sea, California is valued at $2,280,971, up 0.8% year over year. Typical monthly rent is $3,625, producing a price-to-rent ratio of 52.4x — well above the national average of 18x. Carmel-by-the-Sea is part of the Salinas, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$2,280,971
+0.8%
Rent$3,625/mo
AFFORDABILITYRenting $9,408/mo cheaper ($3,625 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Carmel-by-the-Sea.
$456,194 on $2,280,971
Out of reach — 208.5% of income
Need $558,557/yr to afford.
PITI$13,033
P/I208.5%
Afford$306K
Gap-$1975K
P&I $11,534Tax $1,350Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full Salinas, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Salinas, CA metro.
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