Mortgage payment estimates, closing cost breakdowns, and homebuying data for Visalia, California.
Median Home Price
$365K
Population
141K
Avg Monthly Rent
$1,420
Property Tax Rate
0.73% *
* Property tax shown is the California state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Visalia.
Visalia vs California Median
The median home price in Visalia is $365,000, which is 54% below the California state median of $785,000.
Mortgage Calculator — Visalia, CA
Pre-filled with Visalia median home price and California tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $365K home using California's 0.73% tax rate and $2,200/yr insurance.
5% Down
$2,799/mo
Down: $18,250
Loan: $347K
P&I: $2,192
Tax: $222
Insurance: $183
PMI: $202
10% Down
$2,673/mo
Down: $36,500
Loan: $329K
P&I: $2,076
Tax: $222
Insurance: $183
PMI: $192
20% Down (No PMI)
$2,251/mo
Down: $73,000
Loan: $292K
P&I: $1,846
Tax: $222
Insurance: $183
Income needed (28% rule): $96K/year with 20% down, $115K/year with 10% down.
Rent vs Buy in Visalia
Rent
$1,420/mo
vs
Buy (10% down)
$2,673/mo
Price-to-rent ratio: 21.4 — At a ratio above 20, renting may be more economical in Visalia for shorter stays. Buying costs $1,253 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Visalia is $365,000, 54% below the California state median of $785,000. With a population of 141,384, Visalia is a mid-size city where home prices tend to be more accessible than in many parts of California.
Property taxes in California average 0.73% annually. This moderate property tax rate means a $365,000 home in Visalia would carry roughly $222/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in Visalia is $1,420/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Visalia presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Visalia.