Pecho Creek has its source is in the Irish Hills, at 35°13′16″N 120°46′19″W / 35.22111°N 120.77194°W / 35.22111; -120.77194, 1.2 miles (1.9 km) east-southeast of Saddle Peak, at an elevation of 1,360 feet (410 meters).
The stream flows south-southwest to its mouth at the Pacific Ocean, 1.7 miles (2.7 km) west-northwest of San Luis Hill.
[1] Pecho Creek was part of the eastern boundary of the Rancho Pecho y Islay, and of subsequent Rancho Cañada de los Osos y Pecho y Islay when it was consolidated with the Rancho Cañada de los Osos in 1845.
It was part of the western border of the Rancho San Miguelito.
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