Home Affordability in Oceanside, CA
The median home price in Oceanside is $750,000 with a median household income of $68,143. Housing is significantly stretched relative to local incomes.
Median Home Price
$750,000
Median Income
$68,143
Price-to-Income Ratio
11.0x
Est. Affordable Home
$265,000
Property Tax Rate
0.75%
Annual Property Tax
$5,625
Sales Tax Rate
7.75%
Cost of Living Index
142
Buying a Home in Oceanside
Based on the 28% rule (spending no more than 28% of gross income on housing), a household earning the median income of $68,143 in Oceanside can afford a monthly housing payment of approximately $1,590. This translates to a home price of roughly $265,000, which is below the median home price of $750,000 — many households may need a higher income, larger down payment, or should consider more affordable neighborhoods.
Property taxes on a median-priced home in Oceanside would be approximately $5,625 per year ($469/month) at the effective rate of 0.75%.
Down Payment Scenarios
| Down Payment | Amount | Loan Amount | PMI Required |
|---|---|---|---|
| 3% | $22,500 | $727,500 | Yes |
| 5% | $37,500 | $712,500 | Yes |
| 10% | $75,000 | $675,000 | Yes |
| 20% | $150,000 | $600,000 | No |
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