Fresno County, CA Closing Cost Calculator

Fresno County's median home value of $350,000 runs about 13% above the US median of $310,000, reflecting strong local demand.

Among the California counties we track, Fresno County is among the most affordable at $350,000 — significantly below San Francisco County at $1,350,000.

A 20% down payment on a median Fresno County home requires $70,000 in cash — or $12,250 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

Based on the 0.78% effective rate and a median home value of $350,000, a typical homeowner in Fresno County pays approximately $2,730 in annual property taxes — or $228 per month added to their mortgage payment.

Fresno County's property tax rate of 0.78% is close to the national average of 1.10%. On a median-priced home of $350,000, expect an annual tax bill of approximately $2,730.

Sources: Tax Foundation 2025

Homeowners insurance in Fresno County runs approximately $1,300/year ($108/month), in line with the national average of $1,600.

Premium quotes in Fresno County typically range from $850 to $1,950 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.

Sources: NAIC 2024

A buyer purchasing the median Fresno County home ($350,000) with FHA's minimum 3.5% down would borrow $337,750 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.

With 20% down on a median-priced home, the loan amount of $280,000 stays $552,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026