The median home in Merced, California is valued at $389,440, down 1.9% year over year. Typical monthly rent is $1,799, producing a price-to-rent ratio of 18x — near the national average of 18x. Merced is part of the Merced, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$389,440

-1.9%

Rent$1,799/mo

Prices falling — better for buyers.

Affordability

Enter your income for Merced.

Income (annual)

Down Payment

$77,888 on $389,440

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

Out of reach37.6% of income

Need $100,714/yr to afford.

PITI$2,350

P/I37.6%

Afford$290K

Gap-$99K

P&I $1,969Tax $230Ins $150

Renting $551/mo cheaper ($1,799 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 Merced 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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