To buy a median-priced Valencia home — about $925,000 as of mid-2026 — you would realistically target a household income of roughly $233,000 to $250,000, based on an illustrative example with 20% down. That is an estimate, not a quote: it depends on your rate, down payment, debts, and any Mello-Roos, which runs high on newer SCV tracts. Verify current rates and get a personalized pre-approval.

Direct AnswerTo buy a median-priced Valencia home, about $925,000 as of mid-2026, you would realistically target a household income of roughly $233,000 to $250,000, based on an illustrative 20%-down example. That is an estimate, not a quote — and it rises on newer tracts like FivePoint Valencia and Tesoro Highlands that carry Mello-Roos, which can run high in the Santa Clarita Valley. Verify current rates and get a personalized pre-approval.
Median home price: $925,000 (site data, mid-2026) · verify current rates and figures live.

An illustrative worked example

Illustrative only — verify current rates. The scenario below uses a 6.75% 30-year fixed rate as an illustration, not a live quote. Rates change daily; confirm current pricing with a lender.

Starting from the Valencia median of about $925,000 (site data, mid-2026):

Assumption (illustrative)Amount
Purchase price (median)~$925,000
Down payment (20%)~$185,000
Loan amount~$740,000
Principal & interest (~6.75%, 30-yr)~$4,800/mo
Property tax (~1.1% base)~$848/mo
Homeowners insurance (est.)~$175/mo
Estimated total (PITI, before Mello-Roos)~$5,825/mo

Using a common guideline that housing runs roughly 28–30% of gross income, a PITI near $5,825/month points to a household income of roughly $233,000 to $250,000 a year — before any Mello-Roos. This is illustrative math, not underwriting.

Mello-Roos and new construction

Valencia is a textbook case for the CFD caveat: the current FivePoint Valencia and Tesoro Highlands new-construction tracts commonly carry Mello-Roos special taxes, while the original 1960s–1990s paseo neighborhoods frequently have little or none. SCV special taxes run materially higher than Ventura County and vary by tract, so a newer home can require a noticeably higher income than an established paseo home at the same list price. Fire-zone insurance on wildland-edge parcels can also exceed the ~$175 estimate. Model the all-in monthly cost — lot premium, HOA, Mello-Roos, and a real insurance quote — before you rely on any income figure.

Frequently Asked Questions

Is that income figure a guarantee of approval?

No. It is illustrative math based on a housing-to-income guideline, not a lender decision. Underwriting also weighs your credit, total debts, down payment, and the property. Get a pre-approval for your real number.

Do newer Valencia homes need a higher income?

Often, yes. Newer FivePoint Valencia and Tesoro Highlands tracts commonly carry Mello-Roos, which raises the monthly payment and income needed versus an established paseo home with little or no special tax. Read the tax bill for the specific parcel.

Primary sourcesCanonical data.json (median), CAR.org, CFPB Owning a Home, Los Angeles County Assessor

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Brian Cooper is a licensed REALTOR® (DRE# 01434286) with eXp Realty, not an attorney, CPA, lender, or insurer. Figures are illustrative and time-sensitive; verify current data and confirm tax, legal, loan, or insurance questions with the appropriate licensed professional. Equal Housing Opportunity.