Local
Learn about the people, housing, costs and businesses in Monterey County County
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Monterey County.
True all-in cost — P&I, taxes, insurance & utilities for homes in Monterey County.
Find and compare lenders active near Monterey County.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Monterey County.
Seismic risk and earthquake insurance estimates for Monterey County.
Wildfire exposure and insurance estimates for Monterey County.
Cost of living, demographics, and community profile
Mortgage rates for Monterey County are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for Monterey CountyThe median home value in Monterey County is $796k. The median monthly rent is $2,055. Annual property taxes average $5k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Monterey County have increased 15.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,101/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $90k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Monterey County is $99k/year.
Calculate your buying powerThe largest employment sectors in Monterey County are public administration (21%) and agriculture and mining (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas