Market Overview
Home Prices in Rio Oso, CA
The median home value in Rio Oso, CA is $659,384 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.5% compared to a year ago and down 0.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rio Oso are priced61% above average. Rio Oso is part of the Yuba City, CA metro area.
Over the past five years, Rio Oso home values have risen by approximately6.0%, reflecting steady appreciation in this market.
Price History
Rio Oso Home Price Trend
City Comparison
Rio Oso vs. National Median
At $659,384, homes in Rio Oso cost 61% above the national median of $410,000. Buyers in Rio Oso should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Rio Oso?
20% Down Payment
$131,877
on $659,384
Monthly P&I
$3,439/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,368/mo
incl. taxes & insurance
Income Needed
$174,720
gross annual (30% rule)
10% Down Option
$65,938
+ PMI applies
Loan Amount (20% dn)
$527,507
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 Rio Oso, CA?
The median home value in Rio Oso is $659,384 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.5% year-over-year.
How much have home prices changed in Rio Oso?
Over the past year, home values in Rio Oso have increased by 8.5%. Over five years, prices have risen approximately 6.0%.
How much do I need to earn to buy a home in Rio Oso?
To comfortably afford the median home price of $659,384 with a 20% down payment ($131,877) at today's rates (6.8%), you'd need a gross annual income of approximately $174,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Rio Oso compare to the national average home price?
The national median home value is approximately $410,000. At $659,384, homes in Rio Oso are 61% above the national average.
What metro area is Rio Oso part of?
Rio Oso is part of the Yuba City, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.