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3395 S Higuera St #4
C+ Composite 60.22
Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +27.6/30.0
  • DSCR +9.7/10.0
  • 1% rule +6.3/10.0
  • Schools +4.6/10.0
  • Livability +3.7/5.0
  • Rent growth +3.6/5.0
  • Condition / age +2.5/5.0
  • ARV discount +2.2/15.0
  • Appreciation +0.0/10.0

$376,500

3395 S Higuera St #4 · San Luis Obispo, CA 93401
3 bd · 2.0 ba · 1,587 sqft · Manufactured public records · 97 Days on market
Built 2004 $237/sqft · 10% above area Est $337k · 12% over

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Something wonderful awaits you in this refreshingly roomy, comfortable double-wide home located in Rancho San Luis Mobile Estates, a 55+ senior community. Instantly appealing, this three bedroom, two bathroom home has so many quality features and is sure to please the most discriminating homeowner. You will love the beautifully engineered hardwood floors in the kitchen and main living areas. The high ceilings and clerestory windows in the living room make this home sunny and light. A wood burning fireplace chases the chills away on cool evenings. Full house air conditioner keeps you cool on hot days. The generously sized kitchen with an eating area, an island, a skylight, plus plenty of storage and counter space will delight the culinary artist. Enjoy the formal dining room for special entertainment. Three roomy bedrooms allow extra space for a guest bedroom, an office, a craft room, or whatever you can imagine. The main bedroom, located at the back of the house, is spacious and private with a walk-in closet; the attached main bath with double sinks has a luxurious soaking tub, a walk-in shower and extra storage space. A separate laundry room has storage cabinets for your convenience. Extra amenities include a house security alarm and an exterior chair lift. The large backyard is fully fenced with an orange tree, two big storage sheds, and a paved area where you can relax and have patio picnics and summertime fun. Located on a cul-de-sac, this is a special home that memories are made in! Monthly rent is $964.35 and includes water, sewer, and trash. Rancho San Luis Mobile Estates is a well maintained, highly desirable park featuring a clubhouse with kitchen, a seasonal pool and hot tub, and wide streets. The park is small animal friendly. Trader Joe’s, Food for Less grocery store, and the Public Market are just blocks away. Located on the City’s bus route, you are just minutes to downtown, hospitals, restaurants, the train station, San Luis Obispo Regional Airport, and about ten miles to the ocean. Realize your dreams in this very charming place to live and explore the many lovely areas and the natural serenity San Luis Obispo has to offer. Information deemed reliable but not guaranteed.

Key facts

  • Clerestory windows
  • High ceilings
  • Community pool

Tags

ENGINEERED HARDWOOD FLOORSHIGH CEILINGSCLERESTORY WINDOWSWOOD BURNING FIREPLACEFULL HOUSE AIR CONDITIONERGENEROUSLY SIZED KITCHEN

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath manufactured listed at $376k.

Deal economics

  • At list price, monthly cash flow is $1k ($13k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $376k).
  • Recommended offer: $343k (9.0% below list) — sets the bar for market timing.
  • Cap rate 9.9% vs local median 2.1% in San Luis Obispo — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 74/100 on livability (#132 in CA, #4,576 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, health & safety A+; Watch: crime F, cost of living F.
  • San Luis Coastal Unified (urban): math 50% / reading 58% proficiency, ranked #118 of 517 in CA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: Rents rising fast (+4.4%/yr); 143 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,104 units permitted in San Luis Obispo County in 2024 (273 in 5+ unit buildings).
  • At $4,255/mo this rent would consume 53% of the median local household income ($97k/yr) (locally 2050% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • San Luis Obispo County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 4.4% rent growth), your $105k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 97 days — a 9% lower offer ($343k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 14y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $154k; list at $376k implies a 145% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: major flood risk; major wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $342,615 (9.0% below list)

Questions for the listing agent

  1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.13%
Cap rate
9.88%
Cash-on-cash
12.80%
DSCR
1.57
GRM
7.4

CMA / ARV

ARV (median comp)
$336,736
List price
$376,500
Delta
11.81%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3395 S Higuera St S #11 0.01mi 3/2.0 1,560 (-2%) 9mo $425,000 $272 89
3395 S Higuera St #13 0.00mi 3/2.0 1,602 (+1%) 15mo $340,000 $212 86
3057 S Higuera St #90 0.26mi 3/2.0 1,564 (-1%) 8mo $438,000 $280 79
3057 S Higuera St #73 0.25mi 2/2.0 (-1) 1,536 (-3%) 8mo $430,000 $280 71
3057 S Higuera #189 0.35mi 3/2.0 1,728 (+9%) 7mo $399,000 $231 63
3960 Higuera S #158 0.69mi 3/2.0 1,560 (-2%) 8mo $520,000 $333 59
3057 S Higuera St #171 0.35mi 3/2.0 1,440 (-9%) 13mo $225,000 $156 57
3057 S Higuera St #28 0.29mi 2/2.0 (-1) 1,488 (-6%) 17mo $422,000 $284 57
3057 S Higuera St #190 0.36mi 2/2.0 (-1) 1,440 (-9%) 12mo $330,000 $229 53
3057 S Higuera St #43 0.28mi 2/2.0 (-1) 1,356 (-15%) 16mo $260,000 $192 45
3860 S Higuera St #131 0.58mi 2/2.0 (-1) 1,392 (-12%) 6mo $280,000 $201 42
3860 S Higuera St #194 0.58mi 3/2.0 1,352 (-15%) 16mo $280,000 $207 35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.41% rent growth · sell at horizon

5-year hold
IRR
4.0%
Equity multiple
1.16×
Total profit
$16,546
Equity at exit
$56,137
10-year hold
IRR
14.6%
Equity multiple
2.25×
Total profit
$131,795
Equity at exit
$32,553

Cash invested: $105,420 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 93401

Rents YoY
4.4%
Active inventory
143
Price-to-rent
7.4×

Monthly cashflow live

Estimated rent
$4,255 high interval (Pro) →
Mortgage (P&I)
$1,974
Tax from tax record
$106 /mo · $1,270/yr
Insurance
$157
HOA
$0
Vacancy / Maint / Mgmt
$893
Net cashflow
$1,124

Break-even live

Break-even rent $2,832
Max offer price $376,500
Occupancy floor 69%

Sensitivity live

Price -10% $1,337 -5% $1,231 +0% $1,124 +5% $1,018 +10% $911
Rent -10% $788 -5% $956 +0% $1,124 +5% $1,292 +10% $1,460
Rate -1.0pp $1,314 -0.5pp $1,220 base $1,124 +0.5pp $1,027 +1.0pp $927

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$94,125
Closing costs
$11,295
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 8 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3070 Lucca Ln San Luis Obispo, CA 3.0 3.0 1740 $5,000 $2.87 21d 1 0.35mi
1824 Homestead Pl San Luis Obispo, CA 4.0 3.5 1869 $5,300 $2.84 44d 1 0.78mi
905 Madonna Rd San Luis Obispo, CA 3.0 3.0–3.5 1459 $4,825 $3.31 14d 2 0.91mi
915 Madonna Rd #102 San Luis Obispo, CA 3.0 2.0 1141 $1,685 $1.48 44d 1 0.93mi
925 Madonna Rd #302 San Luis Obispo, CA 3.0 2.0 1075 $3,500 $3.26 21d 1 0.94mi
3335 Broad St #18 San Luis Obispo, CA 2.0 1.5 1190 $2,900 $2.44 14d 1 1.05mi
3219 Fennel Ln #105 San Luis Obispo, CA 3.0 4.0 1873 $1,450 $0.77 44d 1 1.21mi
1704 Tonini Dr San Luis Obispo, CA 1.0–2.0 1.0–2.5 985 $3,445 $3.50 14d 3 1.38mi

Listing history 23 events

  1. 2026-06-18
    days on market $376,500 Active 97 DOM
  2. 2026-06-17
    days on market $376,500 Active 96 DOM
  3. 2026-06-16
    days on market $376,500 Active 95 DOM
  4. 2026-06-15
    days on market $376,500 Active 94 DOM
  5. 2026-06-14
    days on market $376,500 Active 92 DOM
  6. 2026-06-13
    days on market $376,500 Active 91 DOM
  7. 2026-06-10
    days on market $376,500 Active 89 DOM
  8. 2026-06-09
    days on market $376,500 Active 88 DOM
  9. 2026-06-08
    days on market $376,500 Active 87 DOM
  10. 2026-06-07
    days on market $376,500 Active 86 DOM
  11. 2026-06-03
    days on market $376,500 Active 82 DOM
  12. 2026-06-02
    days on market $376,500 Active 81 DOM
  13. 2026-06-01
    days on market $376,500 Active 80 DOM
  14. 2026-05-31
    days on market $376,500 Active 79 DOM
  15. 2026-05-30
    days on market $376,500 Active 78 DOM
  16. 2026-05-18
    price $376,500 2237-char remark
    Show marketing remark (2237 chars)

    Something wonderful awaits you in this refreshingly roomy, comfortable double-wide home located in Rancho San Luis Mobile Estates, a 55+ senior community. Instantly appealing, this three bedroom, two bathroom home has so many quality features and is sure to please the most discriminating homeowner. You will love the beautifully engineered hardwood floors in the kitchen and main living areas. The high ceilings and clerestory windows in the living room make this home sunny and light. A wood burning fireplace chases the chills away on cool evenings. Full house air conditioner keeps you cool on hot days. The generously sized kitchen with an eating area, an island, a skylight, plus plenty of storage and counter space will delight the culinary artist. Enjoy the formal dining room for special entertainment. Three roomy bedrooms allow extra space for a guest bedroom, an office, a craft room, or whatever you can imagine. The main bedroom, located at the back of the house, is spacious and private with a walk-in closet; the attached main bath with double sinks has a luxurious soaking tub, a walk-in shower and extra storage space. A separate laundry room has storage cabinets for your convenience. Extra amenities include a house security alarm and an exterior chair lift. The large backyard is fully fenced with an orange tree, two big storage sheds, and a paved area where you can relax and have patio picnics and summertime fun. Located on a cul-de-sac, this is a special home that memories are made in! Monthly rent is $964.35 and includes water, sewer, and trash. Rancho San Luis Mobile Estates is a well maintained, highly desirable park featuring a clubhouse with kitchen, a seasonal pool and hot tub, and wide streets. The park is small animal friendly. Trader Joe’s, Food for Less grocery store, and the Public Market are just blocks away. Located on the City’s bus route, you are just minutes to downtown, hospitals, restaurants, the train station, San Luis Obispo Regional Airport, and about ten miles to the ocean. Realize your dreams in this very charming place to live and explore the many lovely areas and the natural serenity San Luis Obispo has to offer. Information deemed reliable but not guaranteed.

  17. 2026-04-06
    price $383,900 2237-char remark
    Show marketing remark (2237 chars)

    Something wonderful awaits you in this refreshingly roomy, comfortable double-wide home located in Rancho San Luis Mobile Estates, a 55+ senior community. Instantly appealing, this three bedroom, two bathroom home has so many quality features and is sure to please the most discriminating homeowner. You will love the beautifully engineered hardwood floors in the kitchen and main living areas. The high ceilings and clerestory windows in the living room make this home sunny and light. A wood burning fireplace chases the chills away on cool evenings. Full house air conditioner keeps you cool on hot days. The generously sized kitchen with an eating area, an island, a skylight, plus plenty of storage and counter space will delight the culinary artist. Enjoy the formal dining room for special entertainment. Three roomy bedrooms allow extra space for a guest bedroom, an office, a craft room, or whatever you can imagine. The main bedroom, located at the back of the house, is spacious and private with a walk-in closet; the attached main bath with double sinks has a luxurious soaking tub, a walk-in shower and extra storage space. A separate laundry room has storage cabinets for your convenience. Extra amenities include a house security alarm and an exterior chair lift. The large backyard is fully fenced with an orange tree, two big storage sheds, and a paved area where you can relax and have patio picnics and summertime fun. Located on a cul-de-sac, this is a special home that memories are made in! Monthly rent is $964.35 and includes water, sewer, and trash. Rancho San Luis Mobile Estates is a well maintained, highly desirable park featuring a clubhouse with kitchen, a seasonal pool and hot tub, and wide streets. The park is small animal friendly. Trader Joe’s, Food for Less grocery store, and the Public Market are just blocks away. Located on the City’s bus route, you are just minutes to downtown, hospitals, restaurants, the train station, San Luis Obispo Regional Airport, and about ten miles to the ocean. Realize your dreams in this very charming place to live and explore the many lovely areas and the natural serenity San Luis Obispo has to offer. Information deemed reliable but not guaranteed.

  18. 2026-03-13
    listed $389,500 Active 2237-char remark
    Show marketing remark (2237 chars)

    Something wonderful awaits you in this refreshingly roomy, comfortable double-wide home located in Rancho San Luis Mobile Estates, a 55+ senior community. Instantly appealing, this three bedroom, two bathroom home has so many quality features and is sure to please the most discriminating homeowner. You will love the beautifully engineered hardwood floors in the kitchen and main living areas. The high ceilings and clerestory windows in the living room make this home sunny and light. A wood burning fireplace chases the chills away on cool evenings. Full house air conditioner keeps you cool on hot days. The generously sized kitchen with an eating area, an island, a skylight, plus plenty of storage and counter space will delight the culinary artist. Enjoy the formal dining room for special entertainment. Three roomy bedrooms allow extra space for a guest bedroom, an office, a craft room, or whatever you can imagine. The main bedroom, located at the back of the house, is spacious and private with a walk-in closet; the attached main bath with double sinks has a luxurious soaking tub, a walk-in shower and extra storage space. A separate laundry room has storage cabinets for your convenience. Extra amenities include a house security alarm and an exterior chair lift. The large backyard is fully fenced with an orange tree, two big storage sheds, and a paved area where you can relax and have patio picnics and summertime fun. Located on a cul-de-sac, this is a special home that memories are made in! Monthly rent is $964.35 and includes water, sewer, and trash. Rancho San Luis Mobile Estates is a well maintained, highly desirable park featuring a clubhouse with kitchen, a seasonal pool and hot tub, and wide streets. The park is small animal friendly. Trader Joe’s, Food for Less grocery store, and the Public Market are just blocks away. Located on the City’s bus route, you are just minutes to downtown, hospitals, restaurants, the train station, San Luis Obispo Regional Airport, and about ten miles to the ocean. Realize your dreams in this very charming place to live and explore the many lovely areas and the natural serenity San Luis Obispo has to offer. Information deemed reliable but not guaranteed.

  19. 2012-03-15
    soldstatus $153,900 764-char remark
    Show marketing remark (764 chars)

    This one is a peach . . step into luxury living at a comfortable price! Sunny and light, this newer modular in 55+ age park has it all. A flowing floorplan, real wood burning fireplace, high ceilings, skylights and clerestory windows, island kitchen with eat-in breakfast nook and a formal dining room. Very spacious living room with beautiful laminate floors. Nice sized bonus room for pantry, laundry and storage. All appliances are included. The back yard has a wonderful gazebo area with pavers . . the perfect place for outdoor relaxing and evening BBQ; s and sunsets. Two generous sized sheds. Reasonable space rent in a more private sort of community for adults that want independence and convenience. Near to bus stop and centrally located to town and FWY.

  20. 2012-03-15
    historical
    Show marketing remark (764 chars)

    This one is a peach . . step into luxury living at a comfortable price! Sunny and light, this newer modular in 55+ age park has it all. A flowing floorplan, real wood burning fireplace, high ceilings, skylights and clerestory windows, island kitchen with eat-in breakfast nook and a formal dining room. Very spacious living room with beautiful laminate floors. Nice sized bonus room for pantry, laundry and storage. All appliances are included. The back yard has a wonderful gazebo area with pavers . . the perfect place for outdoor relaxing and evening BBQ; s and sunsets. Two generous sized sheds. Reasonable space rent in a more private sort of community for adults that want independence and convenience. Near to bus stop and centrally located to town and FWY.

  21. 2012-02-05
    historical 764-char remark
    Show marketing remark (764 chars)

    This one is a peach . . step into luxury living at a comfortable price! Sunny and light, this newer modular in 55+ age park has it all. A flowing floorplan, real wood burning fireplace, high ceilings, skylights and clerestory windows, island kitchen with eat-in breakfast nook and a formal dining room. Very spacious living room with beautiful laminate floors. Nice sized bonus room for pantry, laundry and storage. All appliances are included. The back yard has a wonderful gazebo area with pavers . . the perfect place for outdoor relaxing and evening BBQ; s and sunsets. Two generous sized sheds. Reasonable space rent in a more private sort of community for adults that want independence and convenience. Near to bus stop and centrally located to town and FWY.

  22. 2012-01-10
    listed $156,900 764-char remark
    Show marketing remark (764 chars)

    This one is a peach . . step into luxury living at a comfortable price! Sunny and light, this newer modular in 55+ age park has it all. A flowing floorplan, real wood burning fireplace, high ceilings, skylights and clerestory windows, island kitchen with eat-in breakfast nook and a formal dining room. Very spacious living room with beautiful laminate floors. Nice sized bonus room for pantry, laundry and storage. All appliances are included. The back yard has a wonderful gazebo area with pavers . . the perfect place for outdoor relaxing and evening BBQ; s and sunsets. Two generous sized sheds. Reasonable space rent in a more private sort of community for adults that want independence and convenience. Near to bus stop and centrally located to town and FWY.

  23. 2012-01-10
    listed $156,900
    Show marketing remark (764 chars)

    This one is a peach . . step into luxury living at a comfortable price! Sunny and light, this newer modular in 55+ age park has it all. A flowing floorplan, real wood burning fireplace, high ceilings, skylights and clerestory windows, island kitchen with eat-in breakfast nook and a formal dining room. Very spacious living room with beautiful laminate floors. Nice sized bonus room for pantry, laundry and storage. All appliances are included. The back yard has a wonderful gazebo area with pavers . . the perfect place for outdoor relaxing and evening BBQ; s and sunsets. Two generous sized sheds. Reasonable space rent in a more private sort of community for adults that want independence and convenience. Near to bus stop and centrally located to town and FWY.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$1,270 · $106/mo
Projected year-2 tax
$2,861 · $238/mo
Expected delta
+$1,592/yr (+$133/mo · 125.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
  • 🔥 Wildfire 6/10 Major
  • 🌡 Heat 4/10 Moderate 4 d/yr ≥82°F today · 10 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 6/10 Major 11 unhealthy d/yr today · 11 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$51,056
− Mortgage interest
−$21,090
− Property taxes
−$1,270
− Insurance
−$1,882
− Repairs & maintenance
−$4,084
− Management
−$4,084
− Depreciation
−$10,953
Taxable income
$7,692
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,846
After-tax cash flow
$11,643/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
San Luis Coastal Unified
NCES district ID
0634800
Math proficiency
50% ▼ -14.00%
Reading proficiency
58% ▼ -12.00%
Median HH income
$53,428
Composite
46.4/100
National rank
#2455
State rank
#118 of 517 in CA

Livability — San Luis Obispo

Score
74/100
State rank
#132
US rank
#4576

Category grades

Amenities A+ Commute A+ Cost of living F Crime F Employment C+ Housing C Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
San Luis Obispo, CA
County
San Luis Obispo County · 224,651 people
City population
54,204
Metro
San Luis Obispo-Paso Robles, CA
Population (ZIP)
29,202
Household income
$96,824
Rent vs Own
52.1% rent · 47.9% own
Severe rent burden
2050.0

Population outlook (San Luis Obispo County) Hauer SSP2

Today (2025)
306,977 people
By 2030
320,378 · +4.4%
By 2040
343,933 · +12.0%
By 2050
366,853 · +19.5%
By 2075
428,329 · +39.5%
By 2100
460,687 · +50.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (71%)
Race & ethnicity
White 71% Hispanic / Latino 18% Two or more races 12% Asian 4% Black 2%
Hispanic origin (detail)
Mexican 14%
Common ancestry
Lithuanian 4% Italian 3% Portuguese 3%
Foreign-born
9% · Canada, China, South Korea
Languages at home
84% English-only · Spanish 10% Chinese 1% Other Asian/Pacific 1%

Political lean MEDSL · San Luis Obispo

2024 margin
D (+10.9) · D 53.9% · R 43.1% · Other 3.0%
2008→2024 swing
+5.5pp toward D · 2008: 5.4pp · 2024: 10.9pp
All cycles
2024: D+10.9 2020: D+13.1 2016: D+8.3 2012: D+1.0 2008: D+5.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -796.84%
Current HPI
359.9248
Rent YoY
▲ 4.41%
Metro
San Luis Obispo-Paso Robles, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+140.0% since first listed
8 events — show timeline
  • 2026-05-18 Price Changed $376,500 CRMLS
  • 2026-04-06 Price Changed $383,900 CRMLS
  • 2026-03-13 Listed $389,500 CRMLS
  • 2012-03-15 Listing Removed NSBCRMLS
  • 2012-03-15 Sold (MLS) $153,900 CRMLS
  • 2012-02-05 Listing Removed CRMLS
  • 2012-01-10 Listed $156,900 NSBCRMLS
  • 2012-01-10 Listed $156,900 CRMLS

Property tax history

+4.2%/yr

Latest (2025): $1,270 · +1.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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