Market Overview
Home Prices in Monte Rio, CA
The median home value in Monte Rio, CA is $554,676 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.5% compared to a year ago and down 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Monte Rio are priced35% above average. Monte Rio is part of the Santa Rosa-Petaluma, CA metro area.
Over the past five years, Monte Rio home values have fallen by approximately13.0%, reflecting softening conditions in this market.
Price History
Monte Rio Home Price Trend
City Comparison
Monte Rio vs. National Median
At $554,676, homes in Monte Rio cost 35% above the national median of $410,000. Buyers in Monte Rio should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Monte Rio?
20% Down Payment
$110,935
on $554,676
Monthly P&I
$2,893/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,674/mo
incl. taxes & insurance
Income Needed
$146,960
gross annual (30% rule)
10% Down Option
$55,468
+ PMI applies
Loan Amount (20% dn)
$443,741
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 Monte Rio, CA?
The median home value in Monte Rio is $554,676 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.5% year-over-year.
How much have home prices changed in Monte Rio?
Over the past year, home values in Monte Rio have decreased by 2.5%. Over five years, prices have fallen approximately 13.0%.
How much do I need to earn to buy a home in Monte Rio?
To comfortably afford the median home price of $554,676 with a 20% down payment ($110,935) at today's rates (6.8%), you'd need a gross annual income of approximately $146,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Monte Rio compare to the national average home price?
The national median home value is approximately $410,000. At $554,676, homes in Monte Rio are 35% above the national average.
What metro area is Monte Rio part of?
Monte Rio is part of the Santa Rosa-Petaluma, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.