Market Overview
Home Prices in Cayucos, CA
The median home value in Cayucos, CA is $1,371,691 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.1% compared to a year ago and down 2.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cayucos are priced235% above average. Cayucos is part of the San Luis Obispo-Paso Robles, CA metro area.
Over the past five years, Cayucos home values have risen by approximately18.6%, reflecting steady appreciation in this market.
Price History
Cayucos Home Price Trend
City Comparison
Cayucos vs. National Median
At $1,371,691, homes in Cayucos cost 235% above the national median of $410,000. Buyers in Cayucos should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cayucos?
20% Down Payment
$274,338
on $1,371,691
Monthly P&I
$7,154/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,086/mo
incl. taxes & insurance
Income Needed
$363,440
gross annual (30% rule)
10% Down Option
$137,169
+ PMI applies
Loan Amount (20% dn)
$1,097,353
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 Cayucos, CA?
The median home value in Cayucos is $1,371,691 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.1% year-over-year.
How much have home prices changed in Cayucos?
Over the past year, home values in Cayucos have decreased by 0.1%. Over five years, prices have risen approximately 18.6%.
How much do I need to earn to buy a home in Cayucos?
To comfortably afford the median home price of $1,371,691 with a 20% down payment ($274,338) at today's rates (6.8%), you'd need a gross annual income of approximately $363,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Cayucos compare to the national average home price?
The national median home value is approximately $410,000. At $1,371,691, homes in Cayucos are 235% above the national average.
What metro area is Cayucos part of?
Cayucos is part of the San Luis Obispo-Paso Robles, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.