Calaveras County, California home prices
Typical home $429,409 · -2.0% in a year · property tax 0.73%
The typical home in Calaveras County is worth $429,409, 44% less than the California typical home ($761,538). Values changed -2.0% in the past year and -2.3% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($3,117 on the typical home), versus 0.72% statewide.
Mortgage on the typical Calaveras County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $85,882 | $343,527 | $2,311 | $0 | $474 | $2,785 | $119,400 |
| 10% down | $42,941 | $386,468 | $2,600 | $161 | $474 | $3,235 | $138,700 |
| 5% down | $21,470 | $407,938 | $2,744 | $170 | $474 | $3,389 | $145,200 |
| 3.5% down (FHA) | $15,029 | $421,631 | $2,836 | $190 | $474 | $3,501 | $150,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% 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 |
|---|---|---|---|
| Sutter County | $432,267 | +0.2% | 0.75% |
| Madera County | $421,927 | +1.7% | 0.7% |
| Amador County | $415,589 | -0.3% | 0.71% |
| Yuba County | $415,272 | -0.8% | 0.74% |
| Merced County | $413,640 | -0.3% | 0.67% |
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Fresno County | $404,056 | +1.1% | 0.74% |
| Stanislaus County | $461,114 | +0.2% | 0.71% |
| Butte County | $394,052 | +0.2% | 0.69% |
| Mariposa County | $385,831 | -0.8% | 0.61% |
Frequently asked questions
What is the average home price in Calaveras County, CA?
The typical home value in Calaveras County is $429,409 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Calaveras County?
About $119,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Calaveras County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).