Cost of Living in Merced County, CA

What does it cost to live in Merced County? Income, housing, and affordability breakdown.

Median Income

$64,772

Median Rent

$1,200/mo

Median Home

$342,300

Affordability

265

Housing Cost Breakdown

Owning (20% down, 6.5%)

Mortgage (P&I)$1,731
Property Tax$194
Insurance$114

Total Monthly$2,039
% of Income37.8%

Renting

Median Rent$1,200
Renter's Insurance$25

Total Monthly$1,225
% of Income22.2%

Living in Merced County, California

Merced County has a median household income of $64,772 with housing costs that represent 37.8% of income for owners and 22.2% for renters. Housing costs exceed the recommended 30% threshold, suggesting affordability challenges.

The affordability index of 265 (100 = median income perfectly covers median housing costs) gives a quick snapshot. Use our calculator for a comprehensive comparison across counties, including taxes, utilities, healthcare, and commute costs.

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Other Counties in California

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Bureau of Economic Analysis. Estimates are county-level medians. This is not financial advice.