Market Overview
Home Prices in Ramona, CA
The median home value in Ramona, CA is $814,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.6% compared to a year ago and down 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ramona are priced99% above average. Ramona is part of the San Diego-Chula Vista-Carlsbad, CA metro area.
Over the past five years, Ramona home values have risen by approximately17.1%, reflecting steady appreciation in this market.
Price History
Ramona Home Price Trend
City Comparison
Ramona vs. National Median
At $814,652, homes in Ramona cost 99% above the national median of $410,000. Buyers in Ramona should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ramona?
20% Down Payment
$162,930
on $814,652
Monthly P&I
$4,249/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,396/mo
incl. taxes & insurance
Income Needed
$215,840
gross annual (30% rule)
10% Down Option
$81,465
+ PMI applies
Loan Amount (20% dn)
$651,722
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 Ramona, CA?
The median home value in Ramona is $814,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.6% year-over-year.
How much have home prices changed in Ramona?
Over the past year, home values in Ramona have decreased by 0.6%. Over five years, prices have risen approximately 17.1%.
How much do I need to earn to buy a home in Ramona?
To comfortably afford the median home price of $814,652 with a 20% down payment ($162,930) at today's rates (6.8%), you'd need a gross annual income of approximately $215,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Ramona compare to the national average home price?
The national median home value is approximately $410,000. At $814,652, homes in Ramona are 99% above the national average.
What metro area is Ramona part of?
Ramona is part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.