Market Overview
Home Prices in Pismo Beach, CA
The median home value in Pismo Beach, CA is $1,116,456 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.5% compared to a year ago and up 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pismo Beach are priced172% above average. Pismo Beach is part of the San Luis Obispo-Paso Robles, CA metro area.
Over the past five years, Pismo Beach home values have risen by approximately27.9%, reflecting strong long-term appreciation in this market.
Price History
Pismo Beach Home Price Trend
City Comparison
Pismo Beach vs. National Median
At $1,116,456, homes in Pismo Beach cost 172% above the national median of $410,000. Buyers in Pismo Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Pismo Beach?
20% Down Payment
$223,291
on $1,116,456
Monthly P&I
$5,823/mo
30-yr @ 6.8%
Total Monthly Est.
~$7,395/mo
incl. taxes & insurance
Income Needed
$295,800
gross annual (30% rule)
10% Down Option
$111,646
+ PMI applies
Loan Amount (20% dn)
$893,165
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 Pismo Beach, CA?
The median home value in Pismo Beach is $1,116,456 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.5% year-over-year.
How much have home prices changed in Pismo Beach?
Over the past year, home values in Pismo Beach have increased by 2.5%. Over five years, prices have risen approximately 27.9%.
How much do I need to earn to buy a home in Pismo Beach?
To comfortably afford the median home price of $1,116,456 with a 20% down payment ($223,291) at today's rates (6.8%), you'd need a gross annual income of approximately $295,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Pismo Beach compare to the national average home price?
The national median home value is approximately $410,000. At $1,116,456, homes in Pismo Beach are 172% above the national average.
What metro area is Pismo Beach part of?
Pismo Beach is part of the San Luis Obispo-Paso Robles, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.