Brokers — List your Company Here
Featured local agent — Monte Rio, CA
Sarah Mitchell
Compass Real Estate · Monte Rio, 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.
Monte Rio, CA Housing Market
The typical home in Monte Rio, CA is worth $536,736, fell 2.2% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $592,500, +39.1% year over year (through May 2026). With 1.8 months of supply and homes going under contract in about 29 days, Monte Rio is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $536,736 home is about $2,759/mo in principal and interest.
Key numbers for Monte Rio, CA
Typical home value
$536,736
-2.2% in 12 months
Zillow, July 2026
Median sale price
$592,500
+39.1% year over year
Redfin, through May 2026
Days on market
29
Average pace
Redfin, through May 2026
Active listings
7
1.8 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
$48,922
Home costs 11.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.7%
Selling below 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 Monte Rio a buyer's or seller's market?
Monte Rio, CA is a seller's market, based on 1.8 months of supply and homes selling in about 29 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Monte Rio housing market data show?
Every row below is Redfin's final published month for Monte Rio, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $592,500 |
| Median list price | $514,000 |
| Year-over-year price change | +39.1% |
| Median price per sq ft | $474/sq ft |
| Median days on market | 29 days |
| Active inventory | 7 listings |
| Months of supply | 1.8 months |
| Sale-to-list price ratio | 99.7% |
| Homes sold (that month) | 4 |
| New listings (that month) | 4 |
| Listings with a price cut | 14.3% |
| Market condition | Seller's market |
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 Monte Rio is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Monte Rio 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 Monte Rio home prices moved?
Over the last three years the median sale price in Monte Rio, CA rose 2.2%, from $580,000 to $592,500. The live Zillow value series has fell 2.2% in the last 12 months, which is the more current read now that Redfin's series has stopped. 14.3% of Monte Rio listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 1.8 months while the sale-to-list ratio slips below its current 99.7%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
Get Monte Rio market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Monte Rio?
Priced off the typical home value of $536,736 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% | $107,347 | $429,389 | $2,759/mo |
| 5% | $26,837 | $509,900 | $3,277/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 $2,759, that implies roughly $118,259 a year before you add taxes and insurance. The median household in Monte Rio earns $48,922, about $69,337 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 11.0x — 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 Monte Rio in the next 12 months?
Tell us your timeline. We send the Monte Rio 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 Monte Rio?
Zillow does not publish a rent index (ZORI) for Monte Rio, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Monte Rio?
Active listings in Monte Rio, CA went from 2 in November 2024 to 7 in May 2026, a +250.0% 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 |
|---|---|---|
| December 2024 | 2 | not published |
| January 2025 | 1 | not published |
| April 2025 | 4 | 2 |
| May 2025 | 5 | 3 |
| June 2025 | 7 | 4 |
| August 2025 | 9 | 2 |
| October 2025 | 10 | 3 |
| November 2025 | 8 | 2 |
| December 2025 | 6 | not published |
| February 2026 | 3 | not published |
| April 2026 | 8 | 4 |
| May 2026 | 7 | 4 |
Redfin, through May 2026
How does Monte Rio compare to California and the U.S.?
Monte Rio homes sell for $592,500 — 33% below the California median of $887,400. Against the national median of $410,700, Monte Rio runs 44% higher. Year-over-year, Monte Rio moved +39.1% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Monte Rio, CA | $592,500 | +39.1% | 29 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 Monte Rio
What buyers should watch
- Months of supply, currently 1.8. 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 14.3%. 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 $517 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 $536,736 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 Monte Rio listing goes under contract in 29 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 99.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Monte Rio added 4 new listings against 4 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -2.2% 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 Monte Rio varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Monte Rio
There are currently 7 homes listed for sale in Monte Rio, California. The median listing price is $514K.
Active listings
7
Homes on market
Median list price
$514K
Avg. days on market
29
Days until sale
New this week
4
Newly listed
How much do homes cost in Monte Rio by property type?
How the Monte Rio, 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 | $592,500 | $474/sq ft | 4 | 29 days |
Who lives in Monte Rio?
American Community Survey estimates for Monte Rio. U.S. Census ACS, 2023
Population
765
Households
426
Median income
$48,922/yr
Median age
63.4 years
Owner-occupied
76.1%
Median home value
$666,200
Median gross rent
$1,297/mo
Mean commute
22.3 min
76.1% of occupied homes in Monte Rio 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 $666,200 against Zillow's $536,736 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Monte Rio?
1 schools tracked · 67 students
The largest public schools serving Monte Rio, 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.
Monte Rio Elementary
Grades K-8 · 67 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 Monte Rio, CA?
Ordered by distance from Monte Rio, not by size. Compare Monte Rio side by side with any of them.
Monte Rio housing market FAQ
Is Monte Rio a buyer's or seller's market?
Monte Rio, CA is currently a seller's market. That read comes from 1.8 months of supply, homes going under contract in about 29 days, and sellers getting 99.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Monte Rio?
The typical home in Monte Rio, CA is worth $536,736 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $592,500, about $474 per square foot.
Is Monte Rio cheaper than the rest of California?
Monte Rio's median sale price of $592,500 is 33% lower than the California statewide median of $887,400, and 44% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Monte Rio?
Homes in Monte Rio, CA spent a median of 29 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 Monte Rio?
At the current 30-year fixed rate of 6.66%, 20% down on a $536,736 home is about $2,759 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $118,259 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $48,922.
Are home prices rising in Monte Rio?
The typical home value in Monte Rio, CA fell 2.2% over the last 12 months, from $548,995 to $536,736 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Monte Rio?
Monte Rio 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 Monte Rio?
That depends on your timeline, not on a headline. What the data says today: Monte Rio, CA is a seller's market with 1.8 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Monte Rio, 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 Monte Rio
Nearby markets
Get the Monte Rio market brief
Get the Monte Rio, CA market brief
One email: what homes are actually clearing at around $536,736, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.