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Featured local agent — San Ardo, CA
Sarah Mitchell
Compass Real Estate · San Ardo, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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San Ardo, CA Housing Market
The last median sale price Redfin published was $225,000 (through May 2026). With homes going under contract in about 61 days, San Ardo is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $225,000 home is about $1,157/mo in principal and interest.
Key numbers for San Ardo, CA
Median sale price
$225,000
Last published period
Redfin, through September 2025
Days on market
61
Slow-moving
Redfin, through September 2025
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
76.3%
Selling below asking
Redfin, through September 2025
Zillow figures 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 San Ardo a buyer's or seller's market?
San Ardo, CA is a buyer's market and homes selling in about 61 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the San Ardo housing market data show?
Every row below is Redfin's final published month for San Ardo, CA. Redfin, through September 2025
| Metric | Value |
|---|---|
| Median sale price | $225,000 |
| Median price per sq ft | $152/sq ft |
| Median days on market | 61 days |
| Sale-to-list price ratio | 76.3% |
| Homes sold (that month) | 1 |
| Market condition | Buyer'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 San Ardo is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in San Ardo 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 San Ardo home prices moved?
Across the 9 months we hold for San Ardo, CA, the median sale price fell 35.7%, from $350,000 in June 2021 to $225,000.
Redfin, through September 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in San Ardo?
Priced off the median sale price of $225,000 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% | $45,000 | $180,000 | $1,157/mo |
| 5% | $11,250 | $213,750 | $1,374/mo |
Redfin, through September 2025 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 $1,157, that implies roughly $49,574 a year before you add taxes and insurance. We do not hold a Census income figure for San Ardo, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in San Ardo in the next 12 months?
Tell us your timeline. We send the San Ardo 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 San Ardo?
Zillow does not publish a rent index (ZORI) for San Ardo, 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 San Ardo?
Active listings in San Ardo, CA went from 1 in July 2023 to 2 in June 2025, a +100.0% 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 |
|---|---|---|
| July 2023 | 1 | 1 |
| November 2023 | 1 | not published |
| July 2024 | 1 | 1 |
| June 2025 | 2 | 1 |
Redfin, through June 2025
How does San Ardo compare to California and the U.S.?
San Ardo homes sell for $225,000 — 75% below the California median of $887,400. Against the national median of $410,700, San Ardo runs 45% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| San Ardo, CA | $225,000 | not published | 61 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through September 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in San Ardo
What buyers should watch
- The gap between 5% and 20% down here is $217 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 $225,000 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 San Ardo listing goes under contract in 61 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 76.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside San Ardo varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in San Ardo
Explore homes currently listed for sale in San Ardo, California across major real estate platforms.
How much do homes cost in San Ardo by property type?
How the San Ardo, CA market breaks down across single-family homes, condos and townhouses. Redfin, through September 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $225,000 | $152/sq ft | 1 | 61 days |
Who lives in San Ardo?
American Community Survey estimates for San Ardo. U.S. Census ACS, 2023
Population
481
Households
111
Median age
25.3 years
Owner-occupied
62.2%
Median home value
$420,300
Median gross rent
$1,239/mo
Mean commute
21.7 min
62.2% of occupied homes in San Ardo 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.
Which public schools serve San Ardo?
1 schools tracked · 86 students
The largest public schools serving San Ardo, 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.
San Ardo Elementary
Grades K-8 · 86 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 San Ardo, CA?
Ordered by distance from San Ardo, not by size. Compare San Ardo side by side with any of them.
San Ardo housing market FAQ
Is San Ardo a buyer's or seller's market?
San Ardo, CA is currently a buyer's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in San Ardo?
The median sale price in the last month Redfin published was $225,000, about $152 per square foot.
Is San Ardo cheaper than the rest of California?
San Ardo's median sale price of $225,000 is 75% lower than the California statewide median of $887,400, and 45% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in San Ardo?
Homes in San Ardo, CA spent a median of 61 days on market before going under contract, versus 33 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in San Ardo?
At the current 30-year fixed rate of 6.66%, 20% down on a $225,000 home is about $1,157 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $49,574 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in San Ardo?
We do not hold a complete 12-month value series for San Ardo, CA yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in San Ardo?
San Ardo 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 San Ardo?
That depends on your timeline, not on a headline. What the data says today: San Ardo, CA is a buyer's market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $225,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.