Local
Learn about the people, housing, costs and businesses in San Clemente, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in San Clemente.
True all-in cost — P&I, taxes, insurance & utilities for homes in San Clemente.
Find and compare lenders active near San Clemente.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for San Clemente.
Seismic risk and earthquake insurance estimates for San Clemente.
Wildfire exposure and insurance estimates for San Clemente.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for San Clemente is approximately 7.009% (7.042% 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 San ClementeThe median home value in San Clemente is $1.5M. The median monthly rent is $2,559. Annual property taxes average $8k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in San Clemente have increased 20.1% 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 $2,909/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $125k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in San Clemente is $148k/year.
Calculate your buying powerThe largest employment sectors in San Clemente are public administration (20%) and healthcare (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.