Yuba City, CA home prices
Typical home $425,172 · -0.2% in a year · income needed $118,600
The Yuba City, CA metro area ranks 121 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.2% in a year and +7.1% over five years. With 20% down at 7.11%, the typical home costs about $2,768 a month including 0.75% property tax (Sutter County rate).
Mortgage on the typical Yuba City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $85,034 | $340,138 | $2,288 | $0 | $480 | $2,768 | $118,600 |
| 10% down | $42,517 | $382,655 | $2,574 | $159 | $480 | $3,213 | $137,700 |
| 5% down | $21,259 | $403,913 | $2,717 | $168 | $480 | $3,365 | $144,200 |
| 3.5% down (FHA) | $14,881 | $417,471 | $2,808 | $188 | $480 | $3,476 | $149,000 |
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 Yuba City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sutter County, CA | $432,267 | +0.2% | 0.75% |
| Yuba County, CA | $415,272 | -0.8% | 0.74% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Yuba City?
The typical home in the Yuba City, CA metro area is worth $425,172 (Zillow, September 2026).
What salary do you need to buy a house in Yuba City?
About $118,600 a year for the typical home with 20% down at 7.11%.