Market Overview
Home Prices in Atwater, CA
The median home value in Atwater, CA is $424,582 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.4% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atwater are priced4% above average. Atwater is part of the Merced, CA metro area.
Over the past five years, Atwater home values have risen by approximately18.3%, reflecting steady appreciation in this market.
Price History
Atwater Home Price Trend
2020
$297,152
$297K
—
2021
$358,759
$359K
+20.7%
2022
$425,043
$425K
+18.5%
2023
$395,771
$396K
-6.9%
2024
$420,112
$420K
+6.2%
2025
$422,870
$423K
+0.7%
2026
$424,582
$425K
+0.4%
City Comparison
Atwater vs. National Median
🏠 Atwater
$424,582
National Median
$410,000
At $424,582, homes in Atwater cost 4% above the national median of $410,000. Buyers in Atwater should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Atwater?
20% Down Payment
$84,916
on $424,582
Monthly P&I
$2,214/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,812/mo
incl. taxes & insurance
Income Needed
$112,480
gross annual (30% rule)
10% Down Option
$42,458
+ PMI applies
Loan Amount (20% dn)
$339,666
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Atwater, CA?
The median home value in Atwater is $424,582 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.4% year-over-year.
How much have home prices changed in Atwater?
Over the past year, home values in Atwater have increased by 0.4%. Over five years, prices have risen approximately 18.3%.
How much do I need to earn to buy a home in Atwater?
To comfortably afford the median home price of $424,582 with a 20% down payment ($84,916) at today's rates (6.8%), you'd need a gross annual income of approximately $112,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Atwater compare to the national average home price?
The national median home value is approximately $410,000. At $424,582, homes in Atwater are 4% above the national average.
What metro area is Atwater part of?
Atwater is part of the Merced, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.