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Merced County

CA · Pop. 285,597 · Mixed County

22/100Homestead Score

Merced County sits in California across 1,938 square miles, home to 285,597 people at 147.4 per square mile. The agricultural economy is rated strong, built on hay, haylage, corn. The median home price is $368,000, with an effective property tax rate of 0.68%. The climate sits in USDA hardiness zone 9a with a 311-day growing season, average summer highs of 92.4°F and average winter lows of 36.4°F. Annual rainfall averages 11.1 inches, and with drought risk rated very high, water storage and irrigation planning matter. Memorial Hospital Los Banos is 11.7 miles away and includes an emergency room. Broadband reaches 99.9% of homes. On the hazard side, flood risk is very high, wildfire risk is very high, drought risk is very high, so plan infrastructure and insurance accordingly.

Property Tax: 0.68%
Growing Season: 311 days
Broadband: 99.9%
Density: 147.4/sq mi

Pros

  • A long 311-day growing season in USDA zone 9a supports a wide range of crops and multiple plantings.
  • A low effective property tax rate of 0.68% holds annual carrying costs down.
  • Broadband reaches 99.9% of homes, making remote work and online farm sales realistic.
  • Memorial Hospital Los Banos, with an emergency room, is just 11.7 miles away — strong local healthcare access.
  • A strong agricultural economy built on hay, haylage, corn means local markets, equipment, and know-how are in place.

Cons

  • Wildfire risk is very high, requiring defensible space, fire-resistant construction, and an evacuation plan.
  • Flood risk is very high, so careful parcel siting and flood insurance are essential.
  • Drought risk is very high, making water storage and irrigation infrastructure essential rather than optional.
  • Annual rainfall of just 11.1 inches means irrigation and water storage are core requirements.
  • A median home price of $368,000 raises the cost of entry relative to more affordable rural markets.

At a glance

Merced County, CA is a challenging place to homestead on the data.

Homestead score
22/100
Median home price
$368k
Property tax
0.68%
Growing season
311 days (zone 9a)
Annual rainfall
11.1"
Broadband
99.9%
Nearest hospital
Memorial Hospital Los Banos, 11.7 mi

Taxes & Cost of Living

Property Tax Rate0.68%
Median Household Income$65,044
Poverty Rate18.4%

Land & Building

Median Home Price$368K

Climate & Growing

USDA Zone9a
Growing Season311 days
Annual Rainfall11.1 inches
Avg Summer High92.4°F
Avg Winter Low36.4°F
Top CropsHay, Haylage, Corn

Natural Disaster Risk

Drought10/10
Wildfire10/10
Tornado3/10
Flood10/10

Healthcare

Nearest HospitalMemorial Hospital Los Banos (11.7 mi)
Emergency RoomYes
Healthcare Facilities3

Infrastructure & Community

Broadband Coverage99.9%

Business & Employment

Unemployment Rate10.2%
Ag EconomyStrong

Homesteading in Merced County: FAQ

What is the growing season like in Merced County?
Merced County is in USDA hardiness zone 9a with a 311-day growing season, average summer highs of 92.4°F, and average winter lows of 36.4°F. The established crops are hay, haylage, corn.
How affordable is land and property here?
The median home price is $368,000 and the effective property tax rate is 0.68%. County-level per-acre prices aren't published, so compare current local listings for raw land.
Is broadband internet available?
Broadband reaches 99.9% of homes, strong coverage that supports remote work for most parcels.
How close is healthcare?
Memorial Hospital Los Banos is 11.7 miles away and includes an emergency room; there are 3 hospitals in the county.

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Data sources

Verified

Figures are sourced from public datasets: U.S. Census Bureau — ACS 5-year & Gazetteer, USDA NASS Census of Agriculture, USDA Plant Hardiness Zone Map, NOAA NCEI U.S. Climate Normals (1991–2020), FEMA National Risk Index, FCC Broadband Data Collection, BLS Local Area Unemployment Statistics, HIFLD Hospitals. Always confirm specifics locally before relying on them. See our methodology for how the homestead score is calculated.