Monte Rio, CA—95462
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Monte Rio, CA
As of Oct '25, the median home price in Monte Rio, CA is $525,000, with a year-over-year change of -6.4%. This indicates that home prices in Monte Rio, CA are decreasing. According to Zillow, the 1-year price projection is -2.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $525,000 | -6.4% |
| Single Family | $525,000 | -6.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $386,000 | -9.2% |
2 Bed | $524,000 | -6.9% |
3 Bed | $682,000 | -5.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Monte Rio, CA
As of July '25, Rentcast reports the average rent in Monte Rio, CA is $1,420, with a year-over-year rent change of -17.4%. Per bedroom, the median rent as of July '25 in Monte Rio, CA is studios: $1,450, 1-bedrooms: $1,400. The most common rental property sizes in Monte Rio, CA are 2-bedroom and studio, accounting for 45.8% and 40.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,420 |
| Studio Rent | $1,450 | $1,450 |
| 1 Bed Rent | $1,400 | $1,400 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Monte Rio, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Monte Rio, CA is 105. This is a increase of 68.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $550,000 | -22.0% |
Listing Count | 11 | -13.0% |
| Listings as % of Homes | 0.3% | -13.0% |
Days on Market | 105 | 68.0% |
Demographics — Monte Rio, CA
As of the latest ACS Survey released in 2023, Monte Rio, CA has a population of 1,120, which has decreased by -11.3% over the past 5 years. Monte Rio, CA is a less popular place for families, as children make up 5.4% of the population. The area has a moderately educated workforce, with 38.5% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 38.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,120 | -11.3% |
% Under 18 | 5.4% | -60.9% |
% Seniors | 39.7% | 36.4% |
% WFH | 38.7% | 112.6% |
% w/ College Degree | 38.5% | 26.6% |
As of the latest ACS Survey released in 2023, Monte Rio, CA is a predominantly white area, with 82.3% of the population identifying as white. The white population has shrunk by 9.0% in the last 5 years. The second most common race or ethnicity in Monte Rio, CA is hispanic, making up 10.4% of the population. Foreign-born residents account for 8.5% of the population in Monte Rio, CA, and this percentage has increased by 112.5% 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 | 82.3% | -9.0% |
% Black | 0.0% | N/A |
% Hispanic | 10.4% | 96.2% |
% Asian | 1.6% | 14.3% |
% Foreign Born | 8.5% | 112.5% |
Mortgage and Risk — Monte Rio, CA
According to HUD data as of 2023, there were 34 mortgage originations in Monte Rio, CA, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 6.0% above 90% LTV (normal). This implies small mortgage risk in Monte Rio, CA. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 34 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 0.0% |
% Second Loans | 21.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Monte Rio, CA
Monte Rio, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 48 |
Total Units Section 8 | 48 |
% Rentals under Section 8 | 45.8% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $230 | $1,400 | $1,630 |
| 2 Bedroom | N/A | N/A | $2,140 |
| 3 Bedroom | N/A | N/A | $2,910 |
| 4 Bedroom | N/A | N/A | $3,090 |
Affordability — Monte Rio, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.1 |
| Median Home Price | $525,000 |
| Median Household Income | $68,300 |