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.

Home Value$1,058,450

+2.9%

Rent$3,875/mo

Prices rising — worse for buyers.

Affordability

Enter your income for San Luis Obispo.

Income (annual)

Down Payment

$211,690 on $1,058,450

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

Out of reach98% of income

Need $262,629/yr to afford.

PITI$6,128

P/I98%

Afford$302K

Gap-$756K

P&I $5,352Tax $626Ins $150

Renting $2,253/mo cheaper ($3,875 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 San Luis Obispo 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 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

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San Luis Obispo, CA