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Learn about the people, housing, costs and businesses in Merced
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Merced.
True all-in cost — P&I, taxes, insurance & utilities for homes in Merced.
Find and compare lenders active near Merced.
Mortgage rates for Merced 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 MercedThe median home value in Merced is $401k. The median monthly rent is $1,429. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Merced have increased 10.9% 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 $1,444/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $62k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Merced is $70k/year.
Calculate your buying powerThe largest employment sectors in Merced are public administration (23%) and agriculture and mining (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.