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Example household · $83,730 · same pay · 1 adult

Merced

Housing in Merced, CA: Rent, Home Prices & Property Tax

$1,844 left/mo

$1,271/mo (1 bd) in Merced. Median home $368,400. Property tax 0.68%.

Pick a home cityHow we figure this
Rent (1-bedroom)
$1,271
/mo
Buy
$2,555
Mortgage, tax, insurance
Buying costs more
$1,284
/mo

To buy

  • 20% down payment$73,680
  • Mortgage at 7.24%$2,009
  • Property tax (0.68% of value)$209/mo · $2,505/yr
  • Insurance and upkeep$338
  • Monthly total$2,555

Months to 20% down

$1,844 left each month. About 40 months (3.3 years) to save $73,680.

Rent is Zillow asking rent. The price is the Census median home value. The mortgage is a 30-year fixed at 7.24%, the Freddie Mac PMMS average for the week of Oct 29, 2026, with 20% down.

Guide: state tax and rent when you compare cities

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