Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$432,267+0.2% YoY · prices are flat
Market right nowBalanced, leaning buyersMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$93,706About 1.3× the local median income ($74,183): a stretch for a typical household
Days on market57 daysAbout the same pace as a year ago
Next 12 months+0.5%Zillow expects prices to stay about flat
The typical home in Sutter County, CA is worth $432,267, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $375,404, so the area is 15.1% overvalued. It is a balanced market, leaning toward buyers: homes take about 57 days to sell, listings are up 22% from a year ago, 24% of listings have had a price cut. Zillow expects prices to rise about 0.5% over the next year. A household needs about $93,706 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 $74,183. Typical rent is $1,976 a month, or $2,332 for a house. In the latest IRS figures, 1,010 more people moved out than in.
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
$432,267
Change in 1 year
+0.2%
Overvalued %
+15.1%
Show 7 more
Fair home value
$375,404
Change in 5 years
+7.3%
Zillow forecast, next 12 months
+0.5%
Home value to income
5.8×
Monthly mortgage payment (20% down)
$2,343
Income needed to afford it
$93,706
Property tax rate
0.75%
Rent and investing
Typical rent
$1,976
Typical rent for houses
$2,332
Price-to-rent ratio
18.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,600
Gross rental yield
5.48%
Cap rate (estimate)
3.56%
Market activity
Listings vs a year ago
+21.7%
Days on market
57
Listings with a price cut
23.7%
Show 3 more
Homes for sale
196
Pending sales per 100 listings
45
Asking price per sq ft
$267
People and jobs
Median household income
$74,183
Population change (1 year)
−0.1%
Unemployment rate
7.2%
Show 4 more
Population
98,787
Income adjusted for cost of living
$71,193
Net moves in (IRS)
−1,010
Cost of living (US = 100)
104.2
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
83.7
Unhealthy air days a year
0
Show 4 more
Flood risk score
71.4
Wildfire risk score
77.1
Walkability (1 to 20)
11.1
Road, rail and air noise
54 dB
Questions people ask
Is Sutter County, CA overvalued?
Home prices in Sutter County, CA are well above what local incomes have historically supported: fair value is about $375,404, so the area is 15.1% overvalued.
Is Sutter County, CA a buyer's or seller's market?
Sutter County, CA is a balanced market, leaning toward buyers: homes take about 57 days to sell, listings are up 22% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Sutter County, CA?
Home values in Sutter County, CA are up 0.2% over the last year. Zillow's forecast for the next 12 months is +0.5%.
How much do you need to earn to buy a home in Sutter County, CA?
A household needs about $93,706 a year to afford the typical home in Sutter County, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $74,183.