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The San Luis Obispo real estate market in San Luis Obispo County shows a median home price of $650,000 with an average price per square foot of $450/sq ft. Properties typically sell within 30 days and there are currently 500 homes on the market.
SRK CAPITAL provides comprehensive mortgage services for San Luis Obispo residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the San Luis Obispo County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Get instant insights into San Luis Obispo's housing market with AI-powered analysis and real-time mortgage rates.
Real-time market data and mortgage rates
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* Rates shown as of 2/25/2026 and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
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Urban living with walkable amenities
Established residential neighborhoods
Growing area with new developments
Discover mortgage opportunities in communities near San Luis Obispo
Colony Days heritage with lake recreation and family living
Iconic rock landmark with fishing village and waterfront dining
Classic beach town with pier and clam festival fame
Historic village with creek-side downtown and wine country charm
Premier wine destination with hot springs and historic downtown
Get pre-approved in minutes and lock in competitive rates for your San Luis Obispo home purchase.
Updated 2/24/2026
San Luis Obispo Ca San Luis Obispo Guide is updated daily with practical mortgage guidance for this page.