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.
See the full metro analysis: Merced, CA stress score, crash risk, and 12-month forecast →
Home Value$389,440
-1.9%
Rent$1,799/mo
AFFORDABILITYRenting $551/mo cheaper ($1,799 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Merced.
$77,888 on $389,440
Out of reach — 37.6% of income
Need $100,714/yr to afford.
PITI$2,350
P/I37.6%
Afford$290K
Gap-$99K
P&I $1,969Tax $230Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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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