Cayucos, California Mortgage Rates

Mortgage rates in Cayucos, California – refinance and purchase transactions.

For over 15 years my team and I have delivered low rates, fast closings and exceptional service to homeowner’s in Cayucos and throughout California. Contact me directly at 1-800-550-5538 for a no-cost/no-obligation quote and see what makes us different. We have an A+ rating with the Better Business Bureau.

Mortgage Rates In Cayucos, California:

Cayucos, California Mortgage Calculator:

Using our Cayucos, California mortgage calculator to figure out your monthly mortgage payment is an essential part of buying a home or refinancing a current mortgage. Use our free Cayucos, California mortgage calculator to help you determine what you can afford and if you have questions please don’t hesitate to ask!

Advanced Mortgage Calculator For City Pages

Loan Information


Taxes and Insurance


Financial Analysis







Living In Cayucos, California:

Cayucos, CA is located in central California.

Cayucos is a small-unincorporated beach town in San Luis County, California. The town has less than 3000 residents and was founded in 1867 by Captain James Cass. Cayucos gets its name from the Hispanic version of the Chumash word for “Canoe.” The town itself is only 3.5 square miles of which 0.4 square miles is water.

Cayucos is a town that feels as though you have stepped back in time. Life moves slowly in this little town and that is just the way that the residents like it. Cayucos has been considered one of the last historic California beach towns.

A Classic California Beach Town:

Cayucos has the atmosphere of a small coastal town where most of the residents own their own homes. A good share of the population is made up of young professionals and retirees.

One of the best things about living in Cayucos is that you can see the ocean from any location in town, which means that every almost home and business has an ocean view.

However, that ocean view does come at a fairly steep price since the cost of living in this small rural oceanside town is about 75% higher than the national average.

Activities in town are simple with many of the activities being centered around nature. Younger people can enjoy surfing, kayaking and a number of other beach activities. There is the Estro Bluffs State Park to visit where you can hike along the cliffs and explore tide pools filled with interesting marine life.

Miles Of Sandy Beaches:

You can enjoy an afternoon of fishing from the Cayucos pier as well as enjoy a bit of whale or dolphin watching. There are miles of sandy beach you can walk and collect interesting specimens of driftwood and sea glass.

There are a number of antique stores and specialty shops as well as both a pirate and cowboy-themed saloon.

Every spring the town holds a Sea Glass festival in which local artisans sell their beautiful Sea glass art to both locals and visitors. There is also a range of other activities, live music, and the festival kicks off with a Mermaid ball.

There is an antique fair twice a year, where you can find some great deals. There are also 9 beautiful murals scattered about the town.

The town is extremely dog friendly and there is only a small percentage of families with children under the age of 18 living in Cayucos.

If you are looking forward to living in a small beach town where people can sit back and relax and enjoy a simple life with many outdoor activities, then Cayucos may be just the right town for you providing that you can afford the cost of living for this little oceanside town.

Climate and Weather In Cayucos, CA:

Like much of San Luis County Cayucos temperatures run from the low 40s in winter and the low 70s in summer. Most of the days of sunny here with only an average of 50 days of rain per year. This is a classic California beach town.

Additional California Cities:

If you’re looking for additional information on another Central California city please be sure to visit the main Central California page.

Loan Officer Kevin O'Connor

About The Author

Loan Officer Kevin O'Connor has over 17+ years of experience as a Mortgage Loan Originator and is licensed by the state of California and the Nationwide Mortgage Licensing System. He has a top rating with the Better Business Bureau, Google, Yelp, and Zillow. CA DRE #01499872 / NMLS #247447

Additional Articles

Homes in Sacramento

Check Today's Rates

Check out today's mortgage rates and use our online mortgage calculator.

Family using the California DRE website

Conforming Loan Limits

Look up your conforming loan limit and review your options. All 58 counties listed.

FHA 203(k) loan in California

California Homebuyer

The complete online homebuyer guide to getting a mortgage including homebuyer tips.