Los Osos, CA—93402
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Los Osos, CA
As of Oct '25, the median home price in Los Osos, CA is $862,000, with a year-over-year change of 0.1%. This indicates that home prices in Los Osos, CA are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $862,000 | 0.1% |
| Single Family | $867,000 | 0.2% |
| Condos | $541,000 | 2.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $588,000 | 2.3% |
2 Bed | $733,000 | 0.0% |
3 Bed | $900,000 | 0.0% |
4 Bed | $1,168,000 | 1.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Los Osos, CA
As of July '25, Rentcast reports the average rent in Los Osos, CA is $2,760, with a year-over-year rent change of -9.2%. Per bedroom, the median rent as of July '25 in Los Osos, CA is 1-bedrooms: $1,100, 2-bedrooms: $2,370, 3-bedrooms: $3,440. The most common rental property sizes in Los Osos, CA are 2-bedroom and 3-bedroom, accounting for 57.3% and 22.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,800 | $2,760 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,100 |
| 2 Bed Rent | $2,200 | $2,370 |
| 3 Bed Rent | $3,500 | $3,440 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Los Osos, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Los Osos, CA is 46. This is a decrease of -7.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,040,000 | -15.0% |
Listing Count | 33 | 32.0% |
| Listings as % of Homes | 0.5% | 32.0% |
Days on Market | 46 | -7.0% |
Demographics — Los Osos, CA
As of the latest ACS Survey released in 2023, Los Osos, CA has a population of 15,100, which has decreased by -7.7% over the past 5 years. Los Osos, CA is a moderately popular place for families, as children make up 18.7% of the population. The area has a highly educated workforce, with 50.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,100 | -7.7% |
% Under 18 | 18.7% | 3.3% |
% Seniors | 26.5% | 5.6% |
% WFH | 15.8% | 113.5% |
% w/ College Degree | 50.1% | 20.1% |
As of the latest ACS Survey released in 2023, Los Osos, CA is a predominantly white area, with 72.9% of the population identifying as white. The white population has shrunk by 6.2% in the last 5 years. The second most common race or ethnicity in Los Osos, CA is hispanic, making up 19.0% of the population. Foreign-born residents account for 7.4% of the population in Los Osos, CA, and this percentage has decreased by 18.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.9% | -6.2% |
% Black | 0.6% | 500.0% |
% Hispanic | 19.0% | 25.0% |
% Asian | 3.8% | 15.2% |
% Foreign Born | 7.4% | -18.7% |
Mortgage and Risk — Los Osos, CA
According to HUD data as of 2023, there were 134 mortgage originations in Los Osos, CA, of which 93.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 3.0% above 90% LTV (normal). This implies small mortgage risk in Los Osos, CA. Investor activity is low, as 3.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 134 |
% Conventional Loans | 93.0% |
% Government Loans | 7.0% |
% Investor Loans | 3.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Los Osos, CA
Los Osos, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 131 |
Total Units Section 8 | 131 |
% Rentals under Section 8 | 7.0% |
% Occupied Section 8 | 89.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $800 | $1,100 | $1,900 |
| 2 Bedroom | $290 | $2,200 | $2,490 |
| 3 Bedroom | -$180 | $3,500 | $3,320 |
| 4 Bedroom | N/A | N/A | $3,770 |
Affordability — Los Osos, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.7 |
| Median Home Price | $862,000 |
| Median Household Income | $104,000 |