Truckee, CA home prices
Typical home $610,268 · +0.8% in a year · income needed $170,300
The Truckee, CA metro area ranks 40 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.8% in a year and -1.1% over five years. With 20% down at 7.11%, the typical home costs about $3,973 a month including 0.75% property tax (Nevada County rate).
Mortgage on the typical Truckee home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $122,054 | $488,214 | $3,284 | $0 | $689 | $3,973 | $170,300 |
| 10% down | $61,027 | $549,241 | $3,695 | $229 | $689 | $4,613 | $197,700 |
| 5% down | $30,513 | $579,754 | $3,900 | $242 | $689 | $4,831 | $207,000 |
| 3.5% down (FHA) | $21,359 | $599,214 | $4,031 | $270 | $689 | $4,990 | $213,900 |
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.
Counties in the Truckee area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nevada County, CA | $610,265 | +0.8% | 0.75% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Truckee?
The typical home in the Truckee, CA metro area is worth $610,268 (Zillow, September 2026).
What salary do you need to buy a house in Truckee?
About $170,300 a year for the typical home with 20% down at 7.11%.