Cost of Living in Merced County, California
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Merced County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Merced County ranks #2,793 of 3,142 counties for affordability (bottom 11%)
Sourced county brief
Merced County Median Gross Rent Estimated at 1,343 Dollars
In Merced County, the median gross rent is $1,343. This value is $348 below the California unweighted county mean of $1,691. The median gross rent as a percentage of household income, which is the official ACS B25071 GRAPI estimate, is 31.0%. This figure is 0.7 percentage points below the state unweighted county mean of 31.7%. The median home value in Merced County was estimated at $391,800, compared to a state unweighted mean of $604,112. Median selected monthly owner costs for owner-occupied housing are $1,438. Renter-household median income is $50,208. These statistics represent a snapshot from the 2020-2024 ACS 5-Year Estimates. See ACS table B25064 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Merced County
Affordability Verdict
ACS B25071 estimates median gross rent at 31.0% of renter household income in Merced County, which is between the 30% and 50% rent-burden benchmarks. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,343 per month; median selected monthly owner costs are $1,438. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $53,720 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The California unweighted mean of county median rents is $1,691 per month. Merced County's $1,343 median is 20.6% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Merced County
Rent Burden
24.6%
of gross income
Max Housing (28% Rule)
$1,529
per month
Owner Cost Burden
26.3%
of gross income
The median home in Merced County may be a stretch
Median home value is $391,800. Estimated monthly cost: $3,128 vs. your max of $1,529.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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