The median home in San Luis Obispo, California is valued at $1,058,450, up 2.9% year over year. Typical monthly rent is $3,875, producing a price-to-rent ratio of 22.8x — well above the national average of 18x. San Luis Obispo is part of the San Luis Obispo-Paso Robles, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: San Luis Obispo-Paso Robles, CA stress score, crash risk, and 12-month forecast →
Home Value$1,058,450
+2.9%
Rent$3,875/mo
AFFORDABILITYRenting $2,253/mo cheaper ($3,875 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for San Luis Obispo.
$211,690 on $1,058,450
Out of reach — 98% of income
Need $262,629/yr to afford.
PITI$6,128
P/I98%
Afford$302K
Gap-$756K
P&I $5,352Tax $626Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full San Luis Obispo-Paso Robles, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Luis Obispo-Paso Robles, CA metro.
View San Luis Obispo-Paso Robles, CA metro →