# SLOHomes.com

> Independent housing data and plain-English guides for San Luis Obispo County, California, with a focus on the City of San Luis Obispo. Not a brokerage or lender. Every number links to its public source. Run by Jon, its editor and creative director: a fire captain, photographer and part of the San Luis Obispo community since 1988.

Data last updated: 2026-10-08

## Key figures
- Typical home value (SLO city): $1,086,045 (August 2026; City of San Luis Obispo, all homes (Zillow ZHVI); source: Zillow Research)
- Typical home value (SLO County): $897,783 (August 2026; San Luis Obispo County, all homes (Zillow ZHVI); source: Zillow Research)
- Typical rent (SLO city): $2,973 (August 2026; City of San Luis Obispo, all rentals (Zillow ZORI); source: Zillow Research)
- Median listing price: $1,031,250 (September 2026; San Luis Obispo–Paso Robles–Arroyo Grande metro (all of SLO County); source: Realtor.com via FRED)
- Active listings: 722 (September 2026; San Luis Obispo–Paso Robles–Arroyo Grande metro (all of SLO County); source: Realtor.com via FRED)
- Median days on market: 71 days (September 2026; San Luis Obispo–Paso Robles–Arroyo Grande metro (all of SLO County); source: Realtor.com via FRED)
- Median list price per sq ft: $574 (September 2026; San Luis Obispo–Paso Robles–Arroyo Grande metro (all of SLO County); source: Realtor.com via FRED)
- 30-year fixed mortgage rate (U.S. average): 7.40% (week of 2026-10-08; source: Freddie Mac PMMS)
- 2026 conforming loan limit, 1-unit, San Luis Obispo County, CA: $1,000,500
- 2026 FHA loan limit, 1-unit, San Luis Obispo County, CA: $1,000,500

## Pages
- [Market data](https://slohomes.com/market/): monthly home values, rents, listing prices, inventory, days on market and affordability for SLO County, with charts and raw data tables.
- [Loans & rates](https://slohomes.com/loans/): 2026 SLO County conforming and FHA loan limits, current mortgage rate, and a mortgage calculator with local property tax.
- [Zoning & permits in San Luis Obispo](https://slohomes.com/zoning/): how to look up zoning (City GIS maps vs. County Land Use View), City residential zones R-1 to R-4 (density 7/12/20/24 units per net acre, heights, setbacks, lot coverage), density units, specific plan areas, and how City and County planning and building permits are approved.
- [Building an ADU in San Luis Obispo](https://slohomes.com/zoning/adu/): ADU and JADU sizes, height, setbacks, parking, rental rules, fees and the permit process, with 2026 state law changes and official sources.
- [Fire hazard zones & home insurance](https://slohomes.com/fire-and-insurance/): how to look up an address's fire hazard severity zone, what applies in each zone, defensible space and Zone 0 status, home hardening priorities, seller disclosures, the FAIR Plan and insurance discounts. Written by a fire captain.
- [Housing laws in San Luis Obispo](https://slohomes.com/laws/): overview of state and local housing rules in SLO, the City Housing Element and the latest local actions.
  - [Renters & landlords](https://slohomes.com/laws/renters/): the 2026 rent cap for SLO County (8.6% for increases from Aug 1, 2026 to Jul 31, 2027), just-cause eviction, relocation assistance, security deposits and City mobile home space rent rules.
  - [Short-term rentals](https://slohomes.com/laws/short-term-rentals/): City of SLO homestays and the ban on vacation rentals, lodging taxes, and SLO County vacation rental rules for Cambria, Cayucos, Avila Beach and the coast.
  - [Building more](https://slohomes.com/laws/building/): SB 9 lot splits, ADUs in unincorporated SLO County, and density bonus law.
  - [Local housing actions](https://slohomes.com/laws/local-actions/): recent City Council and Board of Supervisors housing decisions, each linked to the official record.
- [San Luis Obispo neighborhoods](https://slohomes.com/neighborhoods/): all 46 development projects tracked by the City of San Luis Obispo (Oct 2026), grouped into six areas, with ZIP 93401 and 93405 home prices, homes for sale, public schools and open space.
  - Areas: [Downtown](https://slohomes.com/neighborhoods/downtown/), [North SLO](https://slohomes.com/neighborhoods/north/), [West SLO / Laguna Lake](https://slohomes.com/neighborhoods/west/), [South Higuera](https://slohomes.com/neighborhoods/south-higuera/), [Airport Area / Avila Ranch](https://slohomes.com/neighborhoods/airport-area/), [East SLO / Orcutt](https://slohomes.com/neighborhoods/east/).
- [SLO County towns](https://slohomes.com/towns/): compare home prices, homes for sale and development projects across the cities around San Luis Obispo (Redfin city data; projects from City, County, LAFCO or CEQAnet records, each linked to its source).
  - Towns: [Arroyo Grande](https://slohomes.com/towns/arroyo-grande/) (median sale $899,549, July 2026; 106 for sale), [Atascadero](https://slohomes.com/towns/atascadero/) (median sale $782,074, June 2026; 98 for sale), [Grover Beach](https://slohomes.com/towns/grover-beach/) (median sale $765,493, August 2026; 49 for sale), [Morro Bay](https://slohomes.com/towns/morro-bay/) (median sale $941,877, August 2026; 53 for sale), [Paso Robles](https://slohomes.com/towns/paso-robles/) (median sale $809,464, August 2026; 322 for sale), [Pismo Beach](https://slohomes.com/towns/pismo-beach/) (median sale $1,380,000, August 2026; 50 for sale), [Santa Margarita](https://slohomes.com/towns/santa-margarita/) (median sale $822,000, the three months ending June 2026; 70 for sale).
- [News](https://slohomes.com/news/): SLO housing market updates, analysis and local government housing decisions.
  - [SLO rents have fallen $123 a month since March, the biggest summer drop in three years](https://slohomes.com/news/slo-rents-down-since-march/) (2026-10-08): Typical rent in the City of San Luis Obispo is $2,973, down 4% from its March peak. Rents dip every summer here, but this year's slide is about four times bigger than usual.
  - [Does buying a rental in San Luis Obispo pencil out? At 7.4%, not even close.](https://slohomes.com/news/does-a-slo-rental-pencil-out/) (2026-10-08): A typical SLO home with 25% down costs about $6,800 a month before repairs or vacancy. Typical rent is $2,973. Here's the math, and who it can still work for.
  - [SLO asking prices are down $81,000 from a year ago. The monthly payment is up.](https://slohomes.com/news/sept-2026-prices-down-payments-up/) (2026-10-08): The median SLO County listing fell to $1,031,250 in September, but mortgage rates jumped to 7.40%. Here's what that does to the monthly payment, and why buyers have more leverage.
  - [Housing at City Hall: 60 affordable apartments, new mobile home rules and a village for the unhoused](https://slohomes.com/news/housing-at-city-hall-aug-sept-2026/) (2026-10-08): What the San Luis Obispo City Council and SLO County did on housing in August and September 2026, with links to the official records and local coverage.
- [About & methodology](https://slohomes.com/about/): who runs the site and where the data comes from.

## Guides in progress (not yet published)
- Unincorporated community guides (Los Osos, Cambria, Templeton, Nipomo and others).

## Citing
Please cite "SLOHomes.com" with the page URL. Figures are estimates from the named public sources; confirm anything you rely on with the original source or a licensed professional.