Home Affordability in Rancho Cucamonga, CA
The median home price in Rancho Cucamonga is $650,000 with a median household income of $83,291. Housing is significantly stretched relative to local incomes.
Median Home Price
$650,000
Median Income
$83,291
Price-to-Income Ratio
7.8x
Est. Affordable Home
$324,000
Property Tax Rate
0.82%
Annual Property Tax
$5,330
Sales Tax Rate
7.75%
Cost of Living Index
125
Buying a Home in Rancho Cucamonga
Based on the 28% rule (spending no more than 28% of gross income on housing), a household earning the median income of $83,291 in Rancho Cucamonga can afford a monthly housing payment of approximately $1,943. This translates to a home price of roughly $324,000, which is below the median home price of $650,000 — many households may need a higher income, larger down payment, or should consider more affordable neighborhoods.
Property taxes on a median-priced home in Rancho Cucamonga would be approximately $5,330 per year ($444/month) at the effective rate of 0.82%.
Down Payment Scenarios
| Down Payment | Amount | Loan Amount | PMI Required |
|---|---|---|---|
| 3% | $19,500 | $630,500 | Yes |
| 5% | $32,500 | $617,500 | Yes |
| 10% | $65,000 | $585,000 | Yes |
| 20% | $130,000 | $520,000 | No |
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