What income do you need to buy a house in San Clemente, CA?

It takes about $458,000/yr to afford the typical San Clemente, CA home ($1.74M, +5.1% past year) at today's rates. Starter homes run around $1.20M. See if you can afford a house in San Clemente (2026 data) — free, no signup.

Market snapshot (2026-08)

• Income needed to buy the typical home: about $458,000/yr (28% front-end ratio, 20% down, 7.03% 30-yr fixed, CA property tax and insurance)
• Typical home value: $1.74M (Zillow ZHVI, 2026-08)
• 1-year change: +5.1%
• Bottom 35% of homes: $1.20M
• Top 35% of homes start around: $2.53M
• Typical rent: $3,426/mo
• Median household income: $140K
• Price-to-income ratio: 12.5
• Estimated payment on the typical home: $9,310/mo principal & interest (20% down, 7.03% 30-yr fixed)

Nearby housing markets

• San Juan Capistrano, CA — typical home $1.34M
• Dana Point, CA — typical home $1.76M
• Rancho Mission Viejo, CA — typical home $1.19M
• Ladera Ranch, CA — typical home $1.37M
• Laguna Niguel, CA — typical home $1.49M
• Coto de Caza, CA — typical home $1.98M

The most affordable cities to buy a house in California

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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