Sutter County, California home prices
Typical home $432,267 · +0.2% in a year · property tax 0.75%
The typical home in Sutter County is worth $432,267, 43% less than the California typical home ($761,538). Values changed +0.2% in the past year and +7.3% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($3,259 on the typical home), versus 0.72% statewide.
Mortgage on the typical Sutter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $86,453 | $345,814 | $2,326 | $0 | $488 | $2,814 | $120,600 |
| 10% down | $43,227 | $389,040 | $2,617 | $162 | $488 | $3,267 | $140,000 |
| 5% down | $21,613 | $410,654 | $2,762 | $171 | $488 | $3,421 | $146,600 |
| 3.5% down (FHA) | $15,129 | $424,438 | $2,855 | $191 | $488 | $3,534 | $151,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 Yuba City metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Calaveras County | $429,409 | -2.0% | 0.73% |
| 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 Sutter County, CA?
The typical home value in Sutter County is $432,267 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sutter County?
About $120,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sutter County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).