93445 Homes under $2 million

Welcome to Oceano, California, nestled in the picturesque San Luis Obispo County and enveloped by the breathtaking beauty of the Central Coast. The zip code 93445 is your gateway to a vibrant community that perfectly balances coastal charm with modern conveniences. Known for its stunning beaches, rich wildlife, and delightful weather, Oceano offers a serene lifestyle that beckons both families and retirees alike.

For those seeking a home in this idyllic area, you’ll be pleased to discover a variety of options under $2 million. Whether you’re looking for a cozy beach cottage, a spacious family home, or a contemporary retreat, Oceano has something to suit every taste and budget. Many of these homes boast easy access to the sandy shores of Oceano Dunes, where outdoor enthusiasts can enjoy activities like hiking, horseback riding, and off-roading.

The community is also well-equipped with local amenities, including charming shops, delicious dining options, and recreational parks, making it easy to enjoy life in this coastal paradise. With schools and healthcare facilities close by, you’ll find that Oceano is not just a place to live, but a place to thrive.

Imagine waking up to the sound of waves crashing and the salty breeze wafting through your window. With homes available under $2 million in the 93445 zip code, your dream of coastal living can become a reality. Embrace the Oceano lifestyle, where every day feels like a vacation!

Newest 93445 Homes under $2 million

$735,000

3 Beds ⋅ 2 Baths ⋅ PI26216973 MLS ⋅ Active Status

LAST ONE! Time is running out on your chance to own one of these fantastic new homes! Your brand new beach home awaits you! Single-level new construction! This brand new beauty has all the amenities you expect from a home built by Paul Bischoff...radiant floor heating, energy efficient Milgard windows, quartz countertops, KraftMaid cabinetry with slow-close doors and drawers, polished concrete floors, Whirlpool appliances, hand-textured drywall, 9-foot ceilings with tray ceiling in the great room and master bedroom, owned solar, concrete tile roof, water-efficient drip irrigation, and more! Why buy an airspace condo when you can own the land? This low-maintenance new home is perfectly situated minutes from the Village of Arroyo Grande, downtown Pismo Beach, and the Oceano Dunes, close to the beach, wine tasting, hiking, and many great restaurants. This brand new home is complete and ready for you to move in and enjoy!

1452 Ronald Way, Oceano

$315,000

2 Beds ⋅ 2 Baths ⋅ 226004722 MLS ⋅ Active Status

Welcome to 2400 Cienaga Street, Space 104 in beautiful Oceano! Located in a desirable 55+ senior community, this well maintained 2-bedroom, 2-bathroom manufactured home offers comfortable living with thoughtful features throughout. Step inside to find laminated flooring that adds both style and easy maintenance. The functional layout provides a welcoming living space, while the kitchen features a brand-new stove, perfect for everyday cooking and entertaining. For added convenience, the home also includes an in-unit washer and dryer. Enjoy relaxing mornings or peaceful evenings on the covered front porch, or take advantage of the small private backyard- ideal for pets or simply enjoying the outdoors. Additional features include a carport for convenient covered parking. This charming home offers comfort, and a great opportunity to enjoy easy living in a senior community close to local amenities, shopping, and the beautiful Central Coast. The Broker/Agent/Seller makes no guarantees regarding the accuracy of square footage, lot size, zoning, or any other property details provided, or sourced from public records or other sources. Buyers are encouraged to independently verify all information through personal inspection and consultation with the appropriate professionals.

2400 Cienaga Street Unit 104, Oceano

$350,000

2 Beds ⋅ 2 Baths ⋅ PI26216002 MLS ⋅ Active Status

Great coastal location minutes from downtown Pismo and Oceano Dunes. Literally so close you can hear the ocean waves breaking on the beach. 1248 sq ft, 2 bd, 2 ba, well maintained home in a 55+ park. Low space rent and a corner lot location just steps from a dog friendly green belt and extra guest parking nearby. Large kitchen with all appliances included and a kitchen island/breakfast bar. The large dining area and living room area flow together seamlessly. The bedrooms and master bathroom are very spacious. You’ll find dual pane windows, 2” window coverings, ample built-in storage, a water filtration system, vinyl siding, low maintenance yards, 2 storage sheds and a sizable, shaded gazebo to enjoy all the sunny days and cool evenings. The property comes furnished.

2400 cienaga Unit 19, Oceano

$380,000

2 Beds ⋅ 2 Baths ⋅ SC26205886 MLS ⋅ Active Status

Located in the desirable Cienaga Seabreeze Manufactured Home Park, this 2-bedroom, 2-bath home features new wood flooring and is situated in a well-maintained 55+ community. Enjoy the rare benefit of share ownership in the land with exceptionally low monthly park fees. Community amenities include a clubhouse and swimming pool. Just a short drive to the beach, this home offers the perfect blend of coastal living and affordability. Buyer must be approved by park management. Buyer to verify the size of the home and lot.

2300 Cienaga St, SPC 11, Oceano

$250,000

1 Baths ⋅ PI26204504 MLS ⋅ Active Status

This inviting studio condo is located just 1.5 blocks from the ocean, offering an affordable opportunity to own an income-producing property near the beach. Open the window, breathe in the fresh ocean air, and enjoy having the sand and surf just moments from your door. This property is required to operate as a vacation rental and is governed by Coastal Commission and HOA requirements. Owners are permitted personal use for up to 84 days per year, with the unit required to remain available for vacation rental use during the balance of the year. This unique setup provides owners with designated time to enjoy the property while generating guest revenue to help offset ownership expenses. The community offers an onsite hot tub, laundry facility, BBQ/cooking area, and fish-cleaning station. The building exterior was also recently repainted, adding to the property's fresh coastal appeal. HOA dues include all utilities, plus cable and internet, making ongoing ownership and vacation-rental operation convenient. For buyers looking to invest near the ocean while still having limited personal-use opportunities, this studio offers a unique way to own a piece of the Central Coast and participate in the area's vacation-rental market. Cash only due to the size and no kitchen.

444 Pier Avenue Unit 12, Oceano

$399,000

3 Beds ⋅ 2 Baths ⋅ V1-38756 MLS ⋅ Active Status

Fresh. Coastal. Fabulous. This beautifully refreshed 3BD/2BA + Den home offers 1,440 SF of comfortable living space in Rancho Del Arroyo, just minutes from the beach and all that the Central Coast has to offer. Step inside to a fresh, updated interior featuring new drywall and paint throughout, new flooring, new light fixtures, switches and outlets, and updated plumbing fixtures in the kitchen and baths. The kitchen shines with new granite countertops and a new dishwasher, while both bathrooms feature new toilets. A new heating unit adds comfort and peace of mind.Important improvements extend beyond what you can see. The home has undergone professional re-leveling and extensive support work, including adjustments and rebuilding of pier supports, marriage-line supports and moisture-barrier repair/replacement.Outside, enjoy the relaxed coastal lifestyle Rancho Del Arroyo is known for, including a community pool. Head out to explore nearby beaches, Oceano Dunes, local restaurants, farm stands and the Great American Melodrama, or simply come home and enjoy the fresh ocean air. Whether you're looking for a full-time home or your own Central Coast getaway, this one is refreshed, improved and ready to enjoy!

2700 Cienaga Street Unit 98, Oceano

$1,090,000

4 Beds ⋅ 5 Baths ⋅ V1-38743 MLS ⋅ Active Status

Just 5 minutes from the Oceano Dunes, this rare two home property delivers space, income, and major upside. The front home is a newer 2,400 sq. ft., two story residence with 3 ensuite bedrooms + office, 3.5 baths, cathedral ceilings, alder cabinetry, walk in pantry, and upgraded finishes throughout. A detached 2 car garage, oversized carport, and bonus room with JADU potential add flexibility and value.The second home offers a 1-bed/1-bath layout with an attached garage--perfect for rental income or multi gen living.Current rents: $3,350 (front home) + $1,050 (rear home, under market). Individually metered gas/water, shared electric, solar leased through 2033. Last year's utilities approx. $530/mo; insurance $3,586.A high demand location, strong income, and clear value add pathways make this an exceptional Central Coast opportunity.

1373 16th Street, Oceano

$799,000

3 Beds ⋅ 2 Baths ⋅ PI26199925 MLS ⋅ Active Status

Welcome to this well-maintained 3-bedroom, 1.75-bath home featuring fresh interior paint and durable wood laminate flooring. Enjoy the beautifully landscaped front and backyard, complete with a spa for relaxing or entertaining. The property also offers paid-off solar, providing an added energy-efficient benefit. A comfortable home with thoughtful updates and inviting outdoor spaces.

1440 25th, Oceano

$488,000

2 Beds ⋅ 2 Baths ⋅ PI26192572 MLS ⋅ Active Status

Coastal living at an approachable price point. Welcome to 1870 South Elm Street, a two-bedroom, 1.5-bath townhome in the Playa Del Mar community of Oceano, just minutes from the beach and the Oceano Dunes. With approximately 1,022 square feet of living space, this home offers a functional multi-level floor plan, an attached garage, and multiple outdoor spaces designed to take advantage of the Central Coast setting. Step outside to both a private patio and elevated deck, where dune and mountain views create a scenic backdrop for morning coffee, evening sunsets, or simply enjoying the coastal air. The main living level provides a comfortable space for everyday living and entertaining, while the bedrooms are positioned upstairs for added privacy. Whether you're looking for a primary residence, weekend retreat, or a more attainable way to own property near the California coast, this home offers a combination of location, views, and lifestyle that can be difficult to find at this price point. Playa Del Mar is an intimate community conveniently located near Highway 1, with easy access to the beach, Oceano Dunes, Arroyo Grande, Pismo Beach, restaurants, recreation, and everything the Five Cities area has to offer. 1870 South Elm is an opportunity to own your piece of the Central Coast, close to the ocean, framed by dune and mountain views, and designed for enjoying the coastal lifestyle both inside and out.

1870 S Elm, Oceano

$1,099,000

4 Beds ⋅ 4 Baths ⋅ PI26161953 MLS ⋅ Active Status

Here is your Beach Home with income. This property is a duplex (Both units 2 bedrooms). Coastal Living with opportunity for Cash Flow. One block away from the beach! On world famous Hwy 1. Plenty of private parking, 3 car garage, and RV parking. Many upgrades including roof, exterior paint, jetted tub and sauna. Property is on large lot between county park and Pismo State Beach. 100 yards from Oceano Lagoons, the #1 Birding trail on Central Coast. Home includes a large front yard which is perfect for enjoying the views or ocean air. Pacific Ocean waves provide a serenity to the home ambiance. Surrounded by the San Luis Obispo foothills! Back unit is referred to as "The Treehouse". The C Castle has a private courtyard, wrap around deck, green lawns and beautiful flowers. 1150 & 1154

1150 -1154 Pacific, Oceano

$989,000

3 Beds ⋅ 2 Baths ⋅ NS26158370 MLS ⋅ Active Status

Welcome to 310 Utah Avenue, a charming coastal cottage just off Highway 1 in Oceano, bringing beachside ownership within reach in an exceptional location near the sand. Offering 3 bedrooms, 2 bathrooms & 1,210± sqft on a 3,006± sqft lot, this inviting home places you moments from the shoreline, local restaurants, shopping & the Oceano Dunes vehicle entrance. A fenced & landscaped front yard creates a welcoming outdoor sitting area, while a front porch leads to French entry doors framed by side windows. Inside, the open living & dining areas are filled with natural light, and the living room is anchored by a cozy fireplace. Vaulted ceilings enhance the kitchen, which features an ocean-green tile backsplash, stainless steel appliance package, center island with bar seating & abundant upper and lower cabinetry. The bright primary suite overlooks the rear yard through multiple windows, while the en-suite bathroom includes dual sinks, a tiled shower & direct access to the backyard. Two additional bedrooms provide flexible space, including one with a walk-in closet and an oversized sliding glass door with surrounding windows opening to the side yard. The second guest bedroom includes a ceiling fan, and a full hall bathroom is conveniently located across from both rooms. New carpet was installed in all three bedrooms in June 2026. Just across the street, public beach access leads directly to the shoreline, while the end of the street connects you to the Strand, Oceano Dunes access, dining & nearby coastal attractions. Combining comfort, character & remarkable proximity to the ocean, this home presents an uncommon opportunity to establish your own place along California’s Central Coast.

310 Utah Avenue, Oceano

$1,674,000

4 Beds ⋅ 4 Baths ⋅ NS26158803 MLS ⋅ Active Status

Luxury Coastal Living Just Minutes from Pismo Beach & Shell Beach. Built by Beach Front Builders, this brand-new custom home is located at the gateway to Pismo State Beach, just minutes from Pismo Beach, Shell Beach, downtown Arroyo Grande, and the Oceano Dunes. Eligible to be licensed as a vacation rental, it offers an outstanding opportunity as a primary residence, second home, or income-producing coastal property. Set on an oversized 4,300± sq. ft. lot with 43 feet of road frontage, one of the home's biggest advantages is something rarely found this close to the beach: generous off-street parking and a dedicated RV parking area with an RV waste connection. Whether you're bringing an RV, side-by-sides, dune toys, or looking for features that appeal to vacation renters, this setup offers exceptional flexibility. The main level features an open floor plan connecting the living room, dining area, and kitchen with wide-plank flooring, coffered ceilings with wood beam accents, recessed lighting, a gas fireplace, and two large sliders opening to the backyard patio. The kitchen includes quartz countertops, custom cabinetry, double wall ovens, a six-burner gas cooktop with pot filler, oversized island, workstation sink, and spacious butler's pantry. A private first-floor bedroom with en suite bath, an additional guest bath, and a framed shaft designed for a future elevator provide flexibility for guests, multigenerational living, or long-term accessibility. Upstairs, the family room with wet bar opens to a balcony overlooking the Oceano Lagoon and dunes. The upper level has also been thoughtfully configured to allow a portion of the space to potentially be converted into a one-bedroom, one-bath junior ADU, creating additional flexibility for extended family, guests, or multiple rental configurations. Buyer to verify feasibility, permitting, and use. The primary suite features dual walk-in closets, a private balcony, makeup vanity, soaking tub, dual sinks, and walk-in shower. Two additional bedrooms and another full bath complete the upper level. A rooftop deck offers peekaboo ocean views, coastal breezes, and panoramic dune views. Additional features include owned solar, tankless water heating, and energy-efficient heat pump HVAC. Brand-new construction, vacation rental eligibility, exceptional parking, and immediate access to Pismo State Beach and the Oceano Dunes make this one of the Central Coast's most versatile coastal properties.

364 Mccarthy Avenue, Oceano

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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.