The median home in Gilroy, California is valued at $1,041,564, down 3.0% year over year. Typical monthly rent is $3,222, producing a price-to-rent ratio of 26.9x — well above the national average of 18x. Gilroy is part of the San Jose-Sunnyvale-Santa Clara, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: San Jose-Sunnyvale-Santa Clara, CA stress score, crash risk, and 12-month forecast →

Home Value$1,041,564

-3.0%

Rent$3,222/mo

AFFORDABILITY

Enter your income for Gilroy.

Income (annual)

Down Payment

$208,313 on $1,041,564

Out of reach — 96.5% of income

Need $258,557/yr to afford.

PITI$6,033

P/I96.5%

Afford$302K

Gap-$739K

P&I $5,267Tax $616Ins $150

Renting $2,811/mo cheaper ($3,222 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 Gilroy with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full San Jose-Sunnyvale-Santa Clara, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Jose-Sunnyvale-Santa Clara, CA metro.

View San Jose-Sunnyvale-Santa Clara, CA metro →

GILROY, CA