Mortgage Affordability Calculator for Visalia, CA
Updated 2026 · Local data pre-filled
In Visalia, the median household income is $61,800 per year, while the median home costs $320,000. The price-to-income ratio is 5.2x — a stretch in this competitive market. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Visalia local data
How Visalia Compares to the National Average
Understanding how Visalia stacks up helps you calibrate your financial planning.
| Metric | Visalia, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $320,000 | $420,800 | -24.0% |
| Median Monthly Rent | $1,200 | $1,713 | -29.9% |
| Median Household Income | $61,800 | $74,580 | -17.1% |
| Property Tax Rate | 0.73% | 1.10% | -33.6% |
| Cost of Living Index | 100 | 100 | +0.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Visalia Financial Snapshot
- Population (Metro)
- 480,000
- Unemployment
- 7.2%
- Avg Commute
- 23 min
- Median Age
- 30.8
- Price-to-Rent Ratio
- 22.2x
- Annual Property Tax
- $2,336
Mortgage Affordability Calculator in Other California Cities
Frequently Asked Questions — Visalia
What is the median home price in Visalia, CA?
The median home price in Visalia is $320,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Visalia?
Median monthly rent in Visalia is $1,200. That works out to $14,400/year, or 23% of the median household income — within the commonly recommended 30% of income guideline.
Is Visalia affordable?
Visalia's cost of living index is 100 vs. the national average of 100. With a median household income of $61,800/year and a median home price of $320,000, the price-to-income ratio is 5.2x. Visalia falls in the middle of the affordability spectrum for US cities.
What is the property tax rate in Visalia?
The effective property tax rate in Visalia is 0.73% of assessed value. On the median home of $320,000, that's roughly $2,336/year ($195/month).