Brokers — List your Company Here
Featured local agent — Los Osos, CA
Sarah Mitchell
Compass Real Estate · Los Osos, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Los Osos, CA Housing Market
The typical home in Los Osos, CA is worth $874,147, rose 1.1% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $1.02M, +2.4% year over year (through May 2026). With 9.0 months of supply and homes going under contract in about 21 days, Los Osos is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $874,147 home is about $4,494/mo in principal and interest.
Key numbers for Los Osos, CA
Typical home value
$874,147
+1.1% in 12 months
Zillow, July 2026
Typical asking rent
$2,875/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$1.02M
+2.4% year over year
Redfin, through May 2026
Days on market
21
Average pace
Redfin, through May 2026
Active listings
27
9.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$103,504
Home costs 8.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.4%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Los Osos a buyer's or seller's market?
Los Osos, CA is a leaning buyer's, based on 9.0 months of supply and homes selling in about 21 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Los Osos housing market data show?
Every row below is Redfin's final published month for Los Osos, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $1.02M |
| Median list price | $849,000 |
| Year-over-year price change | +2.4% |
| Median price per sq ft | $620/sq ft |
| Median days on market | 21 days |
| Active inventory | 27 listings |
| Months of supply | 9.0 months |
| Sale-to-list price ratio | 100.4% |
| Homes sold (that month) | 3 |
| New listings (that month) | 13 |
| Listings with a price cut | 29.6% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Los Osos is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Los Osos is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Los Osos home prices moved?
Over the last three years the median sale price in Los Osos, CA rose 25.8%, from $810,000 to $1.02M. The live Zillow value series has rose 1.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 29.6% of Los Osos listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 9.0 months while the sale-to-list ratio slips below its current 100.4%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
Get Los Osos market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Los Osos?
Priced off the typical home value of $874,147 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $174,829 | $699,317 | $4,494/mo |
| 5% | $43,707 | $830,440 | $5,337/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,494, that implies roughly $192,600 a year before you add taxes and insurance. The median household in Los Osos earns $103,504, about $89,096 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 8.4x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Los Osos in the next 12 months?
Tell us your timeline. We send the Los Osos market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Los Osos?
Typical asking rent in Los Osos, CA is $2,875/mo, against a typical home value of $874,147. That is a price-to-rent ratio of 25.3x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $4,494 a month — $1,619 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Los Osos?
Active listings in Los Osos, CA went from 23 in May 2025 to 27 in May 2026, a +17.4% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 24 | 15 |
| July 2025 | 30 | 16 |
| August 2025 | 29 | 15 |
| September 2025 | 23 | 8 |
| October 2025 | 27 | 17 |
| November 2025 | 27 | 7 |
| December 2025 | 15 | 4 |
| January 2026 | 16 | 8 |
| February 2026 | 17 | 12 |
| March 2026 | 22 | 15 |
| April 2026 | 22 | 11 |
| May 2026 | 27 | 13 |
Redfin, through May 2026
How does Los Osos compare to California and the U.S.?
Los Osos homes sell for $1.02M — 15% above the California median of $887,400. Against the national median of $410,700, Los Osos runs 148% higher. Year-over-year, Los Osos moved +2.4% against California's +3.4% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Los Osos, CA | $1.02M | +2.4% | 21 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Los Osos
What buyers should watch
- Months of supply, currently 9.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 29.6%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $843 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $874,147 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Los Osos listing goes under contract in 21 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.4% of asking. Price at the number you want and let competition do the rest.
- In the last published month Los Osos added 13 new listings against 3 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +1.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Los Osos varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Los Osos
There are currently 27 homes listed for sale in Los Osos, California. The median listing price is $849K.
Active listings
27
Homes on market
Median list price
$849K
Avg. days on market
21
Days until sale
New this week
13
Newly listed
How much do homes cost in Los Osos by property type?
How the Los Osos, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.02M | $620/sq ft | 3 | 21 days |
| Condo / co-op | $515,100 | $596/sq ft | 1 | 45 days |
| Townhouse | $700,000 | $445/sq ft | 1 | 156 days |
Who lives in Los Osos?
American Community Survey estimates for Los Osos. U.S. Census ACS, 2023
Population
15,048
Households
6,217
Median income
$103,504/yr
Median age
47.3 years
Owner-occupied
69.7%
Median home value
$728,000
Median gross rent
$1,909/mo
Mean commute
20.9 min
69.7% of occupied homes in Los Osos are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $728,000 against Zillow's $874,147 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,909/mo, below Zillow's $2,875/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Los Osos?
3 schools tracked · 1,160 students
The largest public schools serving Los Osos, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Los Osos Middle
Grades 6-8 · 486 students
Monarch Grove Elementary
Grades K-5 · 337 students
Baywood Elementary
Grades K-5 · 337 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Los Osos, CA?
Ordered by distance from Los Osos, not by size. Compare Los Osos side by side with any of them.
Los Osos housing market FAQ
Is Los Osos a buyer's or seller's market?
Los Osos, CA is currently a leaning buyer's. That read comes from 9.0 months of supply, homes going under contract in about 21 days, and sellers getting 100.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Los Osos?
The typical home in Los Osos, CA is worth $874,147 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $1.02M, about $620 per square foot.
Is Los Osos cheaper than the rest of California?
Los Osos's median sale price of $1.02M is 15% higher than the California statewide median of $887,400, and 148% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Los Osos?
Homes in Los Osos, CA spent a median of 21 days on market before going under contract, versus 33 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Los Osos?
At the current 30-year fixed rate of 6.66%, 20% down on a $874,147 home is about $4,494 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $192,600 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $103,504.
Are home prices rising in Los Osos?
The typical home value in Los Osos, CA rose 1.1% over the last 12 months, from $864,252 to $874,147 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Los Osos?
Los Osos ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Los Osos?
That depends on your timeline, not on a headline. What the data says today: Los Osos, CA is a leaning buyer's with 9.0 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 25.3x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Los Osos, CA
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Los Osos
Nearby markets
Get the Los Osos market brief
Get the Los Osos, CA market brief
One email: what homes are actually clearing at around $874,147, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.