Top Most Cheapest places to live in California

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Summary

Looking for affordable housing in California? Contrary to popular belief, you can live in the Golden State without breaking the bank. Cities like Clearlake, Bakersfield, Fresno, Eureka, Stockton, Clovis, Sacramento, Chico, Fontana, and Visalia offer budget-friendly homes alongside scenic beauty, outdoor adventures, and cultural richness. From waterfront views to vibrant local communities, these hidden gems provide affordable living options for every lifestyle. Whether you prefer coastal charm, nature-filled environments, or small-town vibes, California has it all. Explore affordable homes today with Amish Munshi, and make your dream of living in California a reality without the hefty price tag.

When you think of California, what comes to mind? Stunning beaches, glamorous Hollywood lifestyles, and sky-high real estate prices. But California isn’t just about high costs and luxury living. Surprised? You should be. Contrary to popular belief, beyond the millionaire mansions and celebrity homes, there are hidden gems where you can afford to live and still enjoy the beauty and the benefits of the Golden State.

As someone who has spent over 20 years testing the waters of the real estate market, I, Amist Munshi, am here to help make your real estate dream a reality. So, if you’re ready to explore affordable houses in California, keep reading to discover where you can call home without burning a hole through your wallet.

10 Cheapest Cities To Live In California

Here’s a list of several gems where you can find affordable housing and a good standard of living. Let us look at the ten cheap places to live in California:

 Aerial view of California, the Golden State.
  1. Clearlake

As a nature lover, I understand the importance of a beautiful water-side view and the comfort it brings to you. That’s why I recommend Clearlake, a perfect place to call home. You can enjoy incredible value in this charming town with a median home price of just $220,888. Clearlake is one of the most affordable places to live in Northern California, and it’s an amazing spot for outdoor enthusiasts like us. 

Now you can start your day with a peaceful paddle on Clear Lake or a hike through Clear Lake State Park. This town is a gem with budget-friendly houses, local shops, and numerous benefits that make it perfect for anyone who loves a peaceful lifestyle. 

  1. Bakersfield

Bakersfield is another city in California, offering affordable housing and a rich cultural environment. The starting price of houses is $380,100, and it is considered one of the best places for those who are looking for houses on a budget. However, it often happens that low pricing lets people believe the place isn’t worth it. Let us tell you, this place, Bakersfield, is brimming with activities and attractions, offering you Basque restaurants, Arts District’s galleries, and museums. 

In this city, one can’t be free, as they would always have something to do, always. In addition, the nearby Wind Wolves Preserve has a beautiful view from which to enjoy outdoor adventures. Bakersfield is a perfect combination of budget affordability and housing with a rich heritage and culture for its people, which one shouldn’t miss in California.

  1. Fresno

Fresno is a perfect blend of the hub of agriculture and being one of the cheapest cities in California. With a median home price of $364,362, Fresno is a place that offers rich culture and heritage, provides more than agricultural benefits, and offers a diverse arts scene. The city has a lot, right from the Forestiere Underground Gardens to the local farmers’ markets, which fill the residents with a unique experience.

There are three major national parks which are famous in Fresno, Yosemite, Kings Canyon, and Sequoia, allowing one to have outdoor adventures.  If you’re looking for an affordable city and can’t adjust to the exploration and adventure part, then Fresno is your city to have a life with affordable housing.

  1. Eureka

If you are one of those who want a coastal house with affordable living, then Eureka is your place to live. With a median home price of $420,736, Eureka is a perfect blend of historic charm and modern amenities. The city is perfect for those who are amazed by Victorian architecture and heritage culture. 

The historic Old Town of Eureka gives you fresh seafood at the waterfront,  with the charming Redwoods to explore. Eureka’s unique blend of small-town charm and coastal beauty is what makes it a perfect stay for those who are charmed by the historic vibe yet love to live by the sea and lead a coastal life.

  1. Stockton

Stockton comes with an outstanding experience as it gives your waterfront charm and budget-friendly stay. With a median home price of $428,573, Stockton is a perfect alternative to live in California’s more expensive cities. 

Living in this city, residents can have access to the downtown waterfront and Haggin Museum or experience the colorful Cambodian Buddhist Temple. The city’s diverse culture with a marina is what makes Stockton a fantastic choice for those who want to live in a vibrant environment.

  1. Clovis

Located at the base of the Sierra Nevada mountain range, Clovis is most considered a place to live, especially if somebody is an outdoor enthusiast. With a median home price of $497,184, Clovis is the place in California that can give you outstanding natural landscapes. 

The city gives options for hiking in Yosemite National Park and exploring Kings Canyon and Sequoia National Parks for individuals. Clovis is also enriched with local amenities, including parks, theaters, and museums. If you are one of those seeking California’s great outdoors with fewer expenses, don’t hesitate to have a home in Clovis.

  1. Sacramento

Sacramento, the state capital, is no less than a surprise on this list. The city is rich in history and diverse culture, providing a more affordable alternative, especially to cities like San Francisco and Los Angeles. 

The average pricing for housing here is $468,965, which is considered one of the most affordable cities in California. Sacramento holds attractions like historic Old Town, the California State Railroad Museum, and mesmerizing riverfront parks. 

Since it is located in the center, it has easy access to nearby destinations like San Francisco, Lake Tahoe, and luxury ski resorts. The city provides a vibrant community and affordable living, making Sacramento a perfect choice for residents who want a dynamic culture with no burn in their pockets.

  1. Chico

Chico is the best-known city for Chico State University, but it goes beyond just the validation of the academic environment. With a median home price of $457,280, Chico is a charming place to live without excessively expensive stays. 

The city holds authentic stores, boutiques, cuisine, and local parks for its residents. The people residing here can also explore nearby Lassen Volcanic National Park, especially if they are fond of outdoor activities. The city is a mix of college-town energy and natural beauty with affordable housing.

  1. Fontana

Fontana City in California is rich in both adventure and affordable living. With a median home price of $587,377, it is considered one of the higher prices on our list but significantly cheaper than Los Angeles. Fontana comes with wide options of recreational activities like hiking and go-kart racing.

The city is close to Los Angeles, allowing you to enjoy the city’s attractions with affordable living in the Fontana region. The strategic location planning and a perfect blend of adventure with budget-friendly living are what make this city a perfect attraction for individuals who want to have a home here with city amenities.

  1. Visalia

Visalia, a city situated in California’s Central Valley, has a small-town vibe that provides an extreme kind of adventure.  With a median home price of $369,984,  this city is considered one of the most affordable places in California. The city’s charm is perfectly visible in its friendly community and constant hyped local events. Besides, the natural adventures and exploring historic downtown is another major reason one can have a serene lifestyle in this city.

In addition, Visalia provides you access to local farmers’ markets, with a picnic spot in nearby parks. Visalia’s combination of affordability and access to outdoor adventures is no doubt a perfect reason to have a home, especially for those who want to have a small-town vibe lifestyle with city heritage exploration.

Conclusion

California’s high living costs might seem daunting, but these ten cities prove that you can enjoy the Golden State’s beauty and excitement without overspending. From the serene lakeside living in Clearlake to the cultural richness of Bakersfield and the outdoor adventures in Clovis, there’s an affordable option for every lifestyle.

With my experience and your commitment to success, owning a home in one of these cheap places to live in southern California can become a reality.Ready to take the next step toward your dream house? Contact us today and turn your vision of an affordable lifestyle in California into reality. After all, home is where the heart is—and with Amish Munshi, it’s where your heart, mind, and wallet can finally agree.

About the Author

Amish Munshi

I’m Amish Munshi, a mortgage banker with over 20 years of experience in the world of real estate lending. I love breaking down complex loans—like and hard money loans, DSCR loans, FHA loans and other private financing for real estate loans —into simple terms so you feel confident in every step of your journey. Whether you're buying your first home or expanding your investment portfolio, I’m here to guide you with the right insights and expertise to help you reach your financial goals.

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