Local
Learn about the people, housing, costs and businesses in Carmel-by-the-Sea, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Carmel-by-the-Sea.
True all-in cost — P&I, taxes, insurance & utilities for homes in Carmel-by-the-Sea.
Find and compare lenders active near Carmel-by-the-Sea.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Carmel-by-the-Sea.
Seismic risk and earthquake insurance estimates for Carmel-by-the-Sea.
Wildfire exposure and insurance estimates for Carmel-by-the-Sea.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Carmel-by-the-Sea is approximately 7.004% (7.037% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Carmel-by-the-SeaThe median home value in Carmel-by-the-Sea is $2.0M. The median monthly rent is $2,787. Annual property taxes average $6k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Carmel-by-the-Sea have increased 22.9% 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 $2,505/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $107k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Carmel-by-the-Sea is $138k/year.
Calculate your buying powerThe largest employment sectors in Carmel-by-the-Sea are public administration (22%) and healthcare (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.