Home Affordability in Visalia, CA
The median home price in Visalia is $350,000 with a median household income of $54,427. Housing is significantly stretched relative to local incomes.
Median Home Price
$350,000
Median Income
$54,427
Price-to-Income Ratio
6.4x
Est. Affordable Home
$212,000
Property Tax Rate
0.78%
Annual Property Tax
$2,730
Sales Tax Rate
8.75%
Cost of Living Index
97
Buying a Home in Visalia
Based on the 28% rule (spending no more than 28% of gross income on housing), a household earning the median income of $54,427 in Visalia can afford a monthly housing payment of approximately $1,270. This translates to a home price of roughly $212,000, which is below the median home price of $350,000 — many households may need a higher income, larger down payment, or should consider more affordable neighborhoods.
Property taxes on a median-priced home in Visalia would be approximately $2,730 per year ($228/month) at the effective rate of 0.78%.
Down Payment Scenarios
| Down Payment | Amount | Loan Amount | PMI Required |
|---|---|---|---|
| 3% | $10,500 | $339,500 | Yes |
| 5% | $17,500 | $332,500 | Yes |
| 10% | $35,000 | $315,000 | Yes |
| 20% | $70,000 | $280,000 | No |
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