Mono County, California: What It Costs to Buy a Home
The median home in Mono County is worth $514,300, property taxes on it run about $3,936 a year (0.77%), the FHA loan limit is $776,250, and closing on it means about $566 in transfer tax plus $1,793 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $514,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,936 a year, 0.77% of value | Property tax page → |
| FHA loan limit (1 unit) | $776,250 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $566 | California transfer tax page → |
| Title insurance on the median home | $1,618 owner's + $175 lender's | Title insurance page → |
| Closing costs from these items | $2,359 | Closing costs page → |
| Area median income (HUD, family of 4) | $120,400; low-income limit $89,850 | Income limits page → |
Frequently asked questions
How much do homes cost in Mono County?
The median owner-occupied home in Mono County is valued at $514,300, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Mono County?
The median Mono County homeowner pays $3,936 a year in real estate taxes, about 0.77% of the median home value ($4,364 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Mono County?
$776,250 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Mono County?
On the $514,300 median home: transfer tax $566, title insurance $1,793 for both policies, about $2,359 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Mono County?
HUD's FY 2026 median family income for Mono County (Mono County, CA) is $120,400. A family of four counts as low income below $89,850 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby California counties
- Mendocino County $486,000
- Merced County $368,400
- Modoc County $212,000
- Monterey County $723,100
- Napa County $838,800
- Nevada County $602,800
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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