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City · 13,768 residents · Placer County, California

Auburn , California

In Auburn, a typical home is worth $672,500 and typical rent is $1,501 a month. Compared with all of Placer County, typical household income is 29% lower, typical rent is 27% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $672,500

    2% below the county

    8% below California

    • Auburn
    • Placer
    • California

  • Typical rent

    $1,501a month

    27% below the county

    26% below California

    • Auburn
    • Placer
    • California

  • Typical household income

    $82,674a year

    29% below the county

    17% below California

    • Auburn
    • Placer
    • California

  • Households that own their home

    62%

    12 points below the county

    7 points above California

    • Auburn
    • Placer
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$626,630
1.2% more than 12 months ago
Typical rent
$2,157 a month
2.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Auburn is in Placer County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Placer County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Auburn apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Auburn is $82,674, 29% less than in Placer County as a whole ($115,998).

  2. The typical rent in Auburn is $1,501 a month, 27% less than in Placer County as a whole ($2,069).

  3. Nearby, in North Auburn, the typical home value is $530,400: 21% less than in Auburn ($672,500).

  4. 62% of households in Auburn own their home, against 75% in Placer County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Auburn

What homes there are in Auburn, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Auburn, 7 in 10 homes are single-family detached houses; in Placer County, 8.

Year built

The typical home in Auburn was built in 1978, 16 years before the typical one in Placer County.

There are fewer big homes in Auburn than in Placer County: 62% have 3 bedrooms or more, against 71%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,738 a month

Placer County: $2,984 a month

Without a mortgage

$876 a month

Placer County: $939 a month

Owners with a mortgage

67%

Placer County: 70%

In Auburn, 67% of owners have a mortgage, and their typical cost is $2,738 a month, against $2,984 in Placer County. Without one it drops to $876.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Auburn rose 50% since 2015–2019, more than in Placer County (46%).

Since 2015–2019, the typical rent in Auburn rose 31%, less than in Placer County (34%).

Housing prices ran ahead of income in Auburn: typical income rose 25%, against +50% for home values and +31% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAuburnPlacer CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.2%4.2%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate2.6%8.2%3.4%
People per household 2.192.622.842.53
Drive alone 65%68%66%69%
Carpool 6%6%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 6%2%3%3%
Work from home 19%23%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Auburn are smaller: 2.19 people on average; in Placer County, 2.62.

More people walk or bike to work in Auburn: 6%, against 2% in Placer County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Auburn?

A typical home costs more than the typical income allows

We start with a typical home in Auburn, worth $672,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 80% of the typical household income in Auburn, which is $82,674 a year. For that payment to be 28% of income, a household would need to earn about $236,641 a year.

The calculator's FHA and conventional loan limits are those of all of Placer County.

Your numbers

Local data
$

Starts at the typical home value in Auburn. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $23,538 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,522

at 7.18% · 30 years

Loan amount
$660,319
Total interest
$950,044
Paid off in
November 2056

Includes $11,357 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,929 a month

  • Tight

    $1,929 to $2,480 a month

  • Hard

    more than $2,480 a month

    Your payment · 80%

Compared with the typical household income in Auburn ($82,674 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,522
Principal & interest$4,473
Property tax$471
Home insurance$280
FHA mortgage insurance (MIP)$297

You need at least $23,538 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Auburn and Placer County

Auburn is in Placer County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Auburn's own numbers

Typical home value
$672,500
Typical monthly rent
$1,501
Typical yearly household income
$82,674
Households that own their home
62%
Effective property tax rate
0.84%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Placer County

FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,201
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Placer County.

Everything about Placer County

Buying

Buying a home in Auburn

A typical home in Auburn is worth $672,500: 2% below the county and 8% below California. With the typical household income in Auburn ($82,674 a year), a typical home costs 8.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Auburn 8.1 years
  • Placer 5.9 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Placer County

According to FHFA’s house price index, home prices in Placer County rose 72% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Placer County.

Period County California U.S.
Last year (2025) +0.9% +0.8% +2.9%
5 years (2020–2025) +34% +40% +47%
10 years (2015–2025) +72% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Auburn next to Placer County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Auburn $672,500
  • Placer $688,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Auburn $1,501
  • Placer $2,069
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Auburn $82,674
  • Placer $115,998
  • California $99,122
  • United States $80,734
See the full table
Auburn next to Placer County and California
Measure Auburn Placer County California U.S.
Typical home value $672,500 $688,100 $734,700 $332,700
Typical monthly rent $1,501 $2,069 $2,036 $1,413
Typical yearly household income $82,674 $115,998 $99,122 $80,734
Households that own their home 62% 75% 56% 65%
Typical yearly property tax $5,633 $5,812 $5,124 $3,119
Effective property tax rate 0.84% 0.84% 0.7% 0.94%
Renters with high rent for their income 60% 58% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Placer County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Auburn

For a typical $672,500 home in Auburn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Auburn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,522a month

    Least cash to close
    Down payment
    $23,538
    Cash to close
    $43,713
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $297

  • Conventional, 5% down $5,398a month

    Down payment
    $33,625
    Cash to close
    $53,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $319

  • Conventional, 20% down, no PMI $4,396a month

    Down payment
    $134,500
    Cash to close
    $154,675
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,017a month

    Down payment
    $100,875
    Cash to close
    $121,050
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Auburn and for Placer County.

Property tax

Effective rate in Auburn

0.84%of the home’s value each year

$5,633 a year for the typical owner in Auburn.

  • Auburn 0.84%
  • Placer 0.84%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Placer County

FEMA does not publish these numbers by city: they are for all of Placer County.

Homes in the high-risk zone
0.6%
905
Of those, with NFIP insurance
43%
County California U.S.
Homes in the high-risk zone 0.6% 2.8% 3.5%
Of those, with NFIP insurance 43% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Auburn

Typical rent in Auburn is $1,501 a month: 27% below the county. In Auburn, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Placer County, by unit size. To pay the 2-bedroom one ($2,201 a month) without spending more than 30% of your income, you would need to earn $42.33 an hour working full time.

HUD fair market rent for all of Placer County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,742 $33.50 $69,680
1 bedroom $1,793 $34.48 $71,720
2 bedrooms $2,201 $42.33 $88,040
3 bedrooms $2,887 $55.52 $115,480
4 bedrooms $3,329 $64.02 $133,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Auburn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Auburn is in ZIP code 95603.

For 2 bedrooms it is $1,870: $331 less than the fair market rent for Placer County ($2,201).

  • 95603 $1,870$2,450

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Auburn when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Auburn

HUD lists 13 buildings with rents for lower incomes in Auburn. These are the largest.

  • Palm Terrace Apts 1040 Red Hawk Ln, Auburn 95603 80 homes, 78 low-income · 2 bd: 20 · 3 bd: 48 · 4 bd: 12 · In service since 2003 · For families
  • Quartz Ridge Apartments 200 Silver Bend Way, Auburn 95603 64 homes, 63 low-income · 1 bd: 12 · 2 bd: 32 · 3 bd: 20 · In service since 2016 · For families
  • Auburn Court Apts 12199 Gateway Ct, Auburn 95603 60 homes, 59 low-income · 2 bd: 28 · 3 bd: 30 · 4 bd: 2 · In service since 2000 · For families
  • Mcauley Meadows Apts 585 Sacramento St, Auburn 95603 60 homes, 59 low-income · 1 bd: 59 · 2 bd: 1 · In service since 2013 · For older adults
  • Valley Oaks 600 Auburn Ravine Rd, Auburn 95603 60 homes, 59 low-income · For older adults (530) 889-2551

See all 52 buildings in Placer County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Auburn

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Placer County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Auburn

No down payment, repair or rent-help program on our list is for Auburn or Placer County. The ones below are statewide in California: they work in Auburn the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Auburn

The HUD-approved agencies closest to the center of Auburn, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (916) 286-8652

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 32 miles away · Spanish

    • Budget and credit workshops
    • Homelessness services
    • and 4 more
    (916) 286-8652

All counseling agencies in California

Help in Spanish near Auburn

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Auburn

HUD’s record names them for Auburn or Placer County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Placer County: see the list Source: HUD

Cities

Other cities in Placer County

These cities are also in Placer County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Placer County Housing in California

Nearby cities

The cities closest to Auburn, with the typical home value.

Neighboring counties

If Placer County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Auburn.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Auburn

Short answers with the numbers for Auburn and all of Placer County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Auburn?

The typical home value in Auburn is $672,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Placer County it is $688,100.

How much does it cost to rent in Auburn?

Typical rent in Auburn is $1,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Placer County is $2,201.

What is the FHA loan limit in Auburn?

Auburn uses the FHA limit for all of Placer County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.

How much property tax do owners pay in Auburn?

The typical homeowner in Auburn pays $5,633 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Placer County, the rate is 0.84%.

Where can I find free help to buy or rent in Auburn?

We found no HUD-approved counseling agencies with an office in Placer County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).