Placer County, California home prices
Typical home $684,800 · +1.3% in a year · property tax 0.84%
The typical home in Placer County is worth $684,800, 10% less than the California typical home ($761,538). Values changed +1.3% in the past year and +4.6% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($5,784 on the typical home), versus 0.72% statewide.
Mortgage on the typical Placer County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $136,960 | $547,840 | $3,685 | $0 | $824 | $4,510 | $193,300 |
| 10% down | $68,480 | $616,320 | $4,146 | $257 | $824 | $5,227 | $224,000 |
| 5% down | $34,240 | $650,560 | $4,376 | $271 | $824 | $5,472 | $234,500 |
| 3.5% down (FHA) | $23,968 | $672,397 | $4,523 | $303 | $824 | $5,651 | $242,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 |
|---|---|---|---|
| El Dorado County | $648,637 | +0.8% | 0.7% |
| Yolo County | $612,563 | -0.3% | 0.77% |
| Mono County | $758,836 | +3.2% | 0.65% |
| Nevada County | $610,265 | +0.8% | 0.75% |
| San Benito County | $763,020 | +0.1% | 0.81% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
| Solano County | $571,152 | -0.9% | 0.75% |
| San Bernardino County | $548,565 | +0.9% | 0.7% |
Frequently asked questions
What is the average home price in Placer County, CA?
The typical home value in Placer County is $684,800 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Placer County?
About $193,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Placer County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).