El Dorado County, California home prices
Typical home $648,637 · +0.8% in a year · property tax 0.7%
The typical home in El Dorado County is worth $648,637, 15% less than the California typical home ($761,538). Values changed +0.8% in the past year and +2.3% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($4,534 on the typical home), versus 0.72% statewide.
Mortgage on the typical El Dorado County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $129,727 | $518,909 | $3,491 | $0 | $702 | $4,193 | $179,700 |
| 10% down | $64,864 | $583,773 | $3,927 | $243 | $702 | $4,873 | $208,800 |
| 5% down | $32,432 | $616,205 | $4,145 | $257 | $702 | $5,104 | $218,800 |
| 3.5% down (FHA) | $22,702 | $636,888 | $4,284 | $287 | $702 | $5,273 | $226,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% 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 · part of the Sacramento metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yolo County | $612,563 | -0.3% | 0.77% |
| Placer County | $684,800 | +1.3% | 0.84% |
| Nevada County | $610,265 | +0.8% | 0.75% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Solano County | $571,152 | -0.9% | 0.75% |
| San Bernardino County | $548,565 | +0.9% | 0.7% |
| Mono County | $758,836 | +3.2% | 0.65% |
| San Benito County | $763,020 | +0.1% | 0.81% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| Inyo County | $524,036 | +5.7% | 0.74% |
Frequently asked questions
What is the average home price in El Dorado County, CA?
The typical home value in El Dorado County is $648,637 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in El Dorado County?
About $179,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in El Dorado County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).