The median home in Los Gatos, California is valued at $2,495,179, up 0.1% year over year. Typical monthly rent is $3,657, producing a price-to-rent ratio of 56.9x — well above the national average of 18x. Los Gatos 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.
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Home Value$2,495,179
+0.1%
Rent$3,657/mo
AFFORDABILITYRenting $10,586/mo cheaper ($3,657 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Los Gatos.
$499,036 on $2,495,179
Out of reach — 227.9% of income
Need $610,414/yr to afford.
PITI$14,243
P/I227.9%
Afford$307K
Gap-$2189K
P&I $12,617Tax $1,476Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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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 →