Amador County, California home prices
Typical home $415,589 · -0.3% in a year · property tax 0.71%
The typical home in Amador County is worth $415,589, 45% less than the California typical home ($761,538). Values changed -0.3% in the past year and -1.6% over five years. Homeowners here pay a median 0.71% of their home's value in property tax each year ($2,931 on the typical home), versus 0.72% statewide.
Mortgage on the typical Amador County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $83,118 | $332,471 | $2,237 | $0 | $452 | $2,689 | $115,200 |
| 10% down | $41,559 | $374,030 | $2,516 | $156 | $452 | $3,124 | $133,900 |
| 5% down | $20,779 | $394,810 | $2,656 | $165 | $452 | $3,272 | $140,200 |
| 3.5% down (FHA) | $14,546 | $408,062 | $2,745 | $184 | $452 | $3,381 | $144,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yuba County | $415,272 | -0.8% | 0.74% |
| Merced County | $413,640 | -0.3% | 0.67% |
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Madera County | $421,927 | +1.7% | 0.7% |
| Fresno County | $404,056 | +1.1% | 0.74% |
| Calaveras County | $429,409 | -2.0% | 0.73% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| Butte County | $394,052 | +0.2% | 0.69% |
| Mariposa County | $385,831 | -0.8% | 0.61% |
| Tuolumne County | $385,440 | -1.2% | 0.66% |
Frequently asked questions
What is the average home price in Amador County, CA?
The typical home value in Amador County is $415,589 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Amador County?
About $115,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Amador County?
The median effective rate is 0.71% of home value a year (Census ACS 2024 5-year estimates).