Cayucos Homes under $1.25 million

Welcome to Cayucos, California—a charming coastal gem nestled along the picturesque shores of San Luis Obispo County. Known for its laid-back atmosphere and breathtaking ocean views, Cayucos offers a unique blend of small-town charm and stunning natural beauty. With its sandy beaches, scenic bluffs, and friendly community, it’s no wonder that this vibrant town has become a sought-after destination for homebuyers looking for the perfect coastal retreat.

Cayucos boasts a rich history and a relaxed lifestyle, making it an ideal place for families, retirees, and anyone seeking a slower pace of life. The town features a delightful mix of local boutiques, art galleries, and eateries that celebrate the region’s culinary delights. Whether you're enjoying a morning coffee at a beachfront café or strolling along the iconic Cayucos Pier, you’ll find that every day here feels like a vacation.

For those looking to invest in a slice of paradise, Cayucos offers a variety of homes priced under $1.25 million. From charming beach cottages to modern family homes, there’s something for everyone in this vibrant community. These properties provide not only a comfortable living space but also the opportunity to embrace the coastal lifestyle, complete with surfing, hiking, and enjoying stunning sunsets over the Pacific Ocean.

Cayucos is more than just a place to live; it’s a lifestyle that invites you to relax, explore, and create lasting memories. Discover your dream home in this idyllic coastal town and start living the life you’ve always imagined!

Newest Cayucos Homes under $1.25 million

$779,000

2 Beds ⋅ 2 Baths ⋅ SC26209024 MLS ⋅ Active Status

Located in the coveted 55+ Whale Rock Terrace, 1625 Cass #37 is a clean, move-in ready 2 bedroom, 2 bathroom single level home that offers an unblocked oceanview and a large sunsplashed deck. This 1974 built home offers 1,344 sf of comfortable living space, featuring a thoughtful floorplan, spacious living room and formal dining room, and includes a versatile bonus room with a new sliding glass door that accesses the deck - a perfect space to enjoy a good book and beautiful view. The functional kitchen features a gas cooktop range, a convenient dining nook, lots of cabinetry and counter space. The private primary bedroom with en suite bathroom features a large soaker tub, generous closet space, and views of the ocean from your window. Includes a storage shed in the back providing space for tools, toys, holiday gear and more. This low maintenance home has a large parking area for family and guests, and allows you to enjoy life. Located in close proximity to beach access, this presents an amazing opportunity to enjoy nice neighbors and tranquil living at its finest. Call your agent and find yourself enjoying this beautiful mobile home today!

1625 Cass, Cayucos

$860,000

3 Beds ⋅ 2 Baths ⋅ SC26151742 MLS ⋅ Active Status

HUGE PRICE IMPROVEMENT!! Get ready for the perfect blend of coastal charm, versatility, and comfort in this meticulously maintained and modern 3-bedroom, 2-bath manufactured home where you own the land so there's no space rent! Located just three blocks from beach access in the Whale Rock Terrace 55+ community, this inviting home offers peek-a-boo water views and easy navigation to town and local activities. Inside, vaulted ceilings, beautiful hardwood floors, statement lighting, newer window shades, and an open living and dining area create a bright, welcoming atmosphere with a gas fireplace adding warmth and ambiance. The adjoining kitchen provides plenty of options to cook, create, and gather, with a central island, abundant storage, pantry station, dining nook, and laundry room. A spacious primary suite features a large private bathroom with double vanity and walk-in closet. Two additional large bedrooms offer flexibility for guests or a home office. Enjoy the coastal climate in several outdoor living areas with a large, newly refinished deck and covered front door entryway, perfect for entertaining and relaxing. The enclosed back patio has been transformed into a great multipurpose room along with an additional storage space to customize a craft room, hobby space, game room, and more. A convenient outdoor shower, storage shed, low-maintenance landscaping, and parking for two cars adds to the home's practicality. Park fees include access to shared community amenities, a central clubhouse, and guest parking, adding even more value to this coastal retreat. Thoughtfully updated and ideally located near the beach, this is a wonderful, move-in ready opportunity to enjoy all that Cayucos-by-the-Sea has to offer.

1625 Cass Unit 16, Cayucos

$799,000

2 Beds ⋅ 1 Baths ⋅ SC26194173 MLS ⋅ Active Status

Tucked into the coveted south end of Cayucos Beach, this inviting cottage offers a rare chance to make coastal California your own. Blue-water views greet you right from the property, setting a serene, sun-washed backdrop for everyday living. Start your mornings with coffee on the spacious front patio or unwind there with an evening beverage, soaking in the ever-changing colors of sunrise and sunset over the water. Inside, a light-filled living area flows toward a cozy breakfast bar that opens onto a functional kitchen outfitted with a gas range, refrigerator, generous cabinetry, and ample counter space — easy, comfortable living from the moment you walk in. The rear bedroom offers extra privacy and comfortable proportions, situated just across from the hall bath. Newer tile flooring runs throughout, lending a clean, low-maintenance coastal feel that's ready for beach-day living. The second bedroom, located off of the living room, offers great ocean views. Outside, a covered carport accommodates one vehicle, with additional driveway and street parking available. The true showstopper, though, is the expansive view. The large front patio is a rare stretch of outdoor space that invites relaxing, entertaining, or dreaming up future possibilities (buyers to verify buildable potential and complete their own due diligence). Conveniently located close to the sand, and only minutes from downtown Cayucos, this delightful cottage is your opportunity to own a genuine slice of the Central Coast.

3437 Shearer, Cayucos

$749,500

2 Beds ⋅ 2 Baths ⋅ SC26155244 MLS ⋅ Active Status

Tucked beneath the graceful canopy of a majestic cypress tree, this charming 2 bedroom, 2 bathroom condo offers a peaceful retreat just moments from the heart of Cayucos. Located in the desirable Cypress Cove Condo Association, you’ll enjoy an easy stroll to the beach, historic pier, local shops, and favorite restaurants.The mostly single level floor plan features a sunken living room that invites you to slow down and unwind. Step onto the private balcony, where the gentle sound of birdsong and the beauty of the towering cypress create a setting that feels like your own private sanctuary. Whether you’re searching for a full time home, a weekend escape, or a coastal investment, this inviting condo is priced to sell and ready for its next chapter.

164 Cypress Avenue Unit 15, Cayucos

$755,000

2 Beds ⋅ 2 Baths ⋅ SC26151712 MLS ⋅ Active Status

Enjoy relaxed coastal living in this well located 2 bedroom, 2 bathroom home in Whale Rock Senior Mobile Home Park. Situated on a desirable corner location near the entrance, this home offers convenient access in and out of the park, beautiful ocean views, and beach access at the bottom of 16th Street. The inviting floor plan features a comfortable flow, including one full bathroom and one three quarter bathroom. Step outside to a spacious deck, the perfect place to enjoy your morning coffee or unwind while taking in the coastal scenery. Ideally located just a short distance to downtown Cayucos and the Historic Pier, you’ll love the convenience of having the best of the Central Coast right at your doorstep.

1625 Cass Avenue Unit 40, Cayucos

$890,000

1 Beds ⋅ 1 Baths ⋅ SC26141935 MLS ⋅ Active Status

Nestled west of Highway 1 in one of the last true small beach towns on California's Central Coast, this charming 1-bedroom, 1-bathroom beach bungalow—with two detached bonus rooms—is brimming with opportunity. Located on a highly desirable, quiet cul-de-sac just over one block from the Pacific Ocean, you'll fall asleep to the sound of crashing waves and wake up to ocean views, salty sea breezes, and the chance to watch whales spout and breach from your own back deck. Thoughtful recent improvements enhance the home's timeless coastal charm, including restored and freshly painted original redwood siding, all-new interior paint, brand-new luxury vinyl plank flooring throughout, and updated low-maintenance landscaping. The spacious back deck is the perfect place to relax, enjoy spectacular sunsets, and take in the ever-changing ocean scenery. The home also features indoor laundry, an enclosed basement for added storage, and a detached bonus room with electricity—ideal for guests, a home office, or a creative studio. A newly constructed workshop with its own electrical panel offers endless possibilities for hobbies, surfboard storage, or future expansion. Just moments from downtown Cayucos, the historic pier, boutique shops, and local dining, this inviting property captures the essence of Central Coast beach living. Don't miss your opportunity to own a slice of the California coast.

1998 Circle, Cayucos

$1,168,000

2 Beds ⋅ 2 Baths ⋅ SC26107295 MLS ⋅ Active Status

Wake up each day to a front row panorama of Estero Bay, where the coastline from the Cayucos Pier to Morro Rock unfolds right outside your window. Just moments from the beach and a quick stroll to downtown Cayucos, this move in ready coastal two-story condo offers effortless living in one of the most scenic corners of San Luis Obispo County. From your elevated vantage point, the Pacific becomes part of your daily rhythm with rolling waves, sea breezes, and the glow of sunset stretching across the bay. The main living level is designed to showcase the view, with southwest facing windows that fill the space with natural light. A generous ocean view deck extends the living area outdoors, creating an ideal spot for morning coffee or evening meal. Inside, the living and dining spaces flow together around a gas fireplace, offering a warm retreat after beach walks or exploring nearby trails. The remodeled kitchen brings a fresh, modern feel with updated finishes, bar seating, and ample pantry storage while offering glimpses of Morro Rock. Downstairs, two comfortable bedrooms provide privacy and quiet, with full bathrooms conveniently located on each level. Great storage throughout the home ensures everything stays organized, whether you’re settling in full time or enjoying a coastal getaway. Each residence in this well kept six unit community includes a single car garage with indoor laundry plus an additional reserved parking space. The charming entryway welcomes you home and shared community landscaping is covered by the monthly HOA. With professional management overseeing the entire property, you can relax knowing the grounds and common areas are cared for year-round. Experience the best of Cayucos-by-the-Sea with this turnkey home, close to the ocean and your next adventure.

561 Lucerne, Cayucos

$1,199,000

2 Beds ⋅ 2 Baths ⋅ SC26058494 MLS ⋅ Active Status

Experience the charm of California's Central Coast in this beautifully updated 2-bedroom, 2-bath end-unit condo just steps from the sand in Old Town Cayucos. With sweeping ocean views, a vacation rental license, and an established record of short-term rentals with an active VRBO profile, this coastal retreat offers the perfect blend of lifestyle and income potential. As a desirable end unit, the home enjoys added privacy, views, and natural light. Upstairs, the inviting living room opens to a private balcony where you can take in the ocean breeze and coastal views. The remodeled kitchen is both stylish and functional, featuring quartz countertops, a designer tile backsplash, gold hardware, and bar seating. A cozy breakfast nook connects the kitchen and living area, creating a welcoming space for casual meals and conversation, while a guest bath completes the upper level. Downstairs, both bedrooms provide a peaceful retreat, with a full bath conveniently situated between them for comfort and convenience. Located just a few hundred feet from Cayucos Beach and right along iconic Ocean Avenue, you'll enjoy easy access to beloved local favorites like Duckie's Chowder House, Luna Coffee Bar, and Brown Butter Cookie Company. Whether you're searching for a coastal getaway, an income-producing vacation rental, or the ideal mix of both, this rare Cayucos opportunity captures the best of Central Coast living.

77 N Ocean Avenue Unit 12, Cayucos

$1,239,000

2 Beds ⋅ 2 Baths ⋅ SC25118536 MLS ⋅ Active Status

Enjoy some of the best views along Estero Bay, from the Cayucos Pier to Morro Rock, Montana de Oro, and beyond. This updated coastal condo is move-in ready, (ASK ABOUT KITCHEN PLANS) -- nestled along the pristine coastline north of downtown Cayucos in a six-unit complex. Watch the amazing SLO County sunsets, migrating whales, and ocean life—all right from the comforts of home. This two-story end unit maximizes window light without adjoining neighbors to the south and offers a private entrance with established landscaping. Entering the home, an open staircase leads up to southwest-facing, wall-to-wall windows in the open living and dining area, with the upper floor perched up above the neighboring condo rooflines. The large private deck adds outdoor living space with new glass panels to highlight the amazing coastal views. Upstairs you'll find a stately gas fireplace, cozy kitchen with views of Morro Rock, bar seating, a large pantry/linen closet, and full bathroom. There are two large bedrooms on the ground floor with ample closets, lots of additional hallway storage, full bathroom with modern upgrades, and indoor access to the attached garage, with room for a small vehicle, EV charger, and backup generator plus an additional assigned parking space in the private community lot. Call Cayucos home--close to many charming and relaxing coastal attractions, the Cayucos Pier, newly renovated Cayucos Landing Vets Hall, shops, restaurants, and the trailhead for Estero Bluffs State Park.

557 Lucerne St., Cayucos

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Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.