Ventura County, California: What It Costs to Buy a Home
The median home in Ventura County is worth $768,400, property taxes on it run about $5,326 a year (0.69%), the FHA loan limit is $1,035,000, and closing on it means about $845 in transfer tax plus $2,182 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $768,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $5,326 a year, 0.69% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,035,000 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,035,000 | Loan limits page → |
| Transfer tax on the median home | $845 | California transfer tax page → |
| Title insurance on the median home | $2,007 owner's + $175 lender's | Title insurance page → |
| Closing costs from these items | $3,027 | Closing costs page → |
| Area median income (HUD, family of 4) | $135,600; low-income limit $125,600 | Income limits page → |
Frequently asked questions
How much do homes cost in Ventura County?
The median owner-occupied home in Ventura County is valued at $768,400, 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 Ventura County?
The median Ventura County homeowner pays $5,326 a year in real estate taxes, about 0.69% of the median home value ($5,944 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Ventura County?
$1,035,000 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 $1,035,000, per FHFA.
What does it cost to close on a home in Ventura County?
On the $768,400 median home: transfer tax $845, title insurance $2,182 for both policies, about $3,027 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Ventura County?
HUD's FY 2026 median family income for Ventura County (Oxnard-Thousand Oaks-Ventura, CA MSA) is $135,600. A family of four counts as low income below $125,600 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
- Trinity County $329,000
- Tulare County $303,000
- Tuolumne County $406,200
- Yolo County $593,800
- Yuba County $380,000
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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