Local
Learn about the people, housing, costs and businesses in Monte Rio, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Monte Rio.
True all-in cost — P&I, taxes, insurance & utilities for homes in Monte Rio.
Find and compare lenders active near Monte Rio.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Monte Rio.
Seismic risk and earthquake insurance estimates for Monte Rio.
Wildfire exposure and insurance estimates for Monte Rio.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Monte Rio is approximately 6.843% (6.877% 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 Monte RioThe median home value in Monte Rio is $632k. The median monthly rent is $1,530. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Monte Rio have decreased 8.4% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,716/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $74k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Monte Rio is $76k/year.
Calculate your buying powerThe largest employment sectors in Monte Rio are public administration (19%) and healthcare (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.