Safe Rate Local
Learn about the people, housing, costs and businesses in San Luis Obispo, California
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in San Luis Obispo.
True all-in cost — P&I, taxes, insurance & utilities for homes in San Luis Obispo.
Find and compare lenders active near San Luis Obispo.
FEMA flood zones and flood insurance estimates for San Luis Obispo.
Seismic risk and earthquake insurance estimates for San Luis Obispo.
Wildfire exposure and insurance estimates for San Luis Obispo.
As of today, the 30-year fixed mortgage rate for San Luis Obispo is approximately 6.576% (6.612% 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 Luis ObispoThe median home value in San Luis Obispo is $926k. The median monthly rent is $2,007. Annual property taxes average $6k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in San Luis Obispo have increased 16.2% 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 $2,004/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $86k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in San Luis Obispo is $79k/year.
Calculate your buying powerThe largest employment sectors in San Luis Obispo are public administration (27%) and healthcare (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.