Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$648,637+0.8% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$140,611About 1.3× the local median income ($107,289): a stretch for a typical household
Days on market65 daysFaster than a year ago: sellers have the edge
Next 12 months−0.8%Zillow expects prices to dip slightly
The typical home in El Dorado County, CA is worth $648,637, up 0.8% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $666,516, so the area is 2.7% undervalued. It is a buyer's market: homes take about 65 days to sell, listings are up 4% from a year ago, 22% of listings have had a price cut. Zillow expects prices to fall about 0.8% over the next year. A household needs about $140,611 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $107,289. Typical rent is $2,498 a month, or $3,091 for a house. In the latest IRS figures, 181 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$648,637
Change in 1 year
+0.8%
Overvalued %
−2.7%
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Fair home value
$666,516
Change in 5 years
+2.3%
Zillow forecast, next 12 months
−0.8%
Home value to income
6.0×
Monthly mortgage payment (20% down)
$3,515
Income needed to afford it
$140,611
Property tax rate
0.70%
Rent and investing
Typical rent
$2,498
Typical rent for houses
$3,091
Price-to-rent ratio
21.6×
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HUD Fair Market Rent, 2 bedrooms
$2,201
Gross rental yield
4.62%
Cap rate (estimate)
3.00%
Market activity
Listings vs a year ago
+4.2%
Days on market
65
Listings with a price cut
22.3%
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Homes for sale
928
Pending sales per 100 listings
24
Asking price per sq ft
$355
People and jobs
Median household income
$107,289
Population change (1 year)
−0.0%
Unemployment rate
4.5%
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Population
192,323
Income adjusted for cost of living
$100,552
Net moves in (IRS)
+181
Cost of living (US = 100)
106.7
Schools, risk and environment
School rating (1 to 10)
7.1
FEMA hazard risk score (0 to 100)
91.4
Unhealthy air days a year
1
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Flood risk score
91.7
Wildfire risk score
99.7
Walkability (1 to 20)
8.4
Road, rail and air noise
55 dB
Questions people ask
Is El Dorado County, CA overvalued?
Home prices in El Dorado County, CA are slightly below what local incomes have historically supported: fair value is about $666,516, so the area is 2.7% undervalued.
Is El Dorado County, CA a buyer's or seller's market?
El Dorado County, CA is a buyer's market: homes take about 65 days to sell, listings are up 4% from a year ago, 22% of listings have had a price cut.
Are home prices going down in El Dorado County, CA?
Home values in El Dorado County, CA are up 0.8% over the last year. Zillow's forecast for the next 12 months is −0.8%.
How much do you need to earn to buy a home in El Dorado County, CA?
A household needs about $140,611 a year to afford the typical home in El Dorado County, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $107,289.