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Learn about the people, housing, costs and businesses in Murphys, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Murphys.
True all-in cost — P&I, taxes, insurance & utilities for homes in Murphys.
Find and compare lenders active near Murphys.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Murphys.
Seismic risk and earthquake insurance estimates for Murphys.
Wildfire exposure and insurance estimates for Murphys.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Murphys is approximately 6.921% (6.958% 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 MurphysThe median home value in Murphys is $484k. The median monthly rent is $1,783. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Murphys have increased 1.7% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,775/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $76k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Murphys is $74k/year.
Calculate your buying powerThe largest employment sectors in Murphys are public administration (26%) and wholesale trade (7%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.