Cayucos, CA—93430
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cayucos, CA
As of Oct '25, the median home price in Cayucos, CA is $1,320,000, with a year-over-year change of -2.9%. This indicates that home prices in Cayucos, CA are decreasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,320,000 | -2.9% |
| Single Family | $1,354,000 | -2.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $875,000 | -3.0% |
2 Bed | $1,110,000 | -2.8% |
3 Bed | $1,497,000 | -1.9% |
4 Bed | $1,892,000 | -0.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cayucos, CA
As of July '25, Rentcast reports the average rent in Cayucos, CA is $3,420, with a year-over-year rent change of -1.2%. Per bedroom, the median rent as of July '25 in Cayucos, CA is studios: $1,910, 1-bedrooms: $2,580, 2-bedrooms: $3,620, 3-bedrooms: $4,160, 4-bedrooms: $4,600. The most common rental property sizes in Cayucos, CA are 2-bedroom and 1-bedroom, accounting for 51.6% and 22.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,000 | $3,420 |
| Studio Rent | $1,580 | $1,910 |
| 1 Bed Rent | $2,450 | $2,580 |
| 2 Bed Rent | $2,950 | $3,620 |
| 3 Bed Rent | $3,600 | $4,160 |
| 4 Bed Rent | $4,600 | $4,600 |
% of Rental Stock
Property Listings — Cayucos, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cayucos, CA is 106. This is a increase of 36.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,720,000 | -29.0% |
Listing Count | 30 | 3.0% |
| Listings as % of Homes | 0.4% | 3.0% |
Days on Market | 106 | 36.0% |
Demographics — Cayucos, CA
As of the latest ACS Survey released in 2023, Cayucos, CA has a population of 3,260, which has increased by 10.5% over the past 5 years. Cayucos, CA is a less popular place for families, as children make up 7.9% of the population. The area has a moderately educated workforce, with 43.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,260 | 10.5% |
% Under 18 | 7.9% | -28.8% |
% Seniors | 36.8% | -1.3% |
% WFH | 21.2% | 76.7% |
% w/ College Degree | 43.4% | 11.9% |
As of the latest ACS Survey released in 2023, Cayucos, CA is a predominantly white area, with 73.8% of the population identifying as white. The white population has shrunk by 14.8% in the last 5 years. The second most common race or ethnicity in Cayucos, CA is hispanic, making up 17.6% of the population. Foreign-born residents account for 6.6% of the population in Cayucos, CA, and this percentage has increased by 175.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 73.8% | -14.8% |
% Black | 0.0% | -100.0% |
% Hispanic | 17.6% | 77.8% |
% Asian | 1.4% | -41.7% |
% Foreign Born | 6.6% | 175.0% |
Mortgage and Risk — Cayucos, CA
According to HUD data as of 2023, there were 45 mortgage originations in Cayucos, CA, of which 96.0% of loans were conventional mortgages. The average loan-to-value was 42.0%, with 2.0% above 90% LTV (normal). This implies small mortgage risk in Cayucos, CA. Investor activity is low, as 2.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 45 |
% Conventional Loans | 96.0% |
% Government Loans | 4.0% |
% Investor Loans | 2.0% |
% Second Loans | 18.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Cayucos, CA
As of 2024, the percent of homes in Cayucos, CA under the Section 8 program is 1.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Cayucos, CA, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$850 | $2,450 | $1,600 |
| 2 Bedroom | -$850 | $2,950 | $2,100 |
| 3 Bedroom | -$800 | $3,600 | $2,800 |
| 4 Bedroom | -$1,420 | $4,600 | $3,180 |
Affordability — Cayucos, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 15.1 |
| Median Home Price | $1,320,000 |
| Median Household Income | $86,400 |