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City · 18,315 residents · El Dorado County, California

Cameron Park , California

In Cameron Park, a typical home is worth $667,900 and typical rent is $1,806 a month. Compared with all of El Dorado County, typical household income is 6% lower, typical rent is 5% higher, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $667,900

    About the same as the county

    9% below California

    • Cameron Park
    • El Dorado
    • California

  • Typical rent

    $1,806a month

    5% above the county

    11% below California

    • Cameron Park
    • El Dorado
    • California

  • Typical household income

    $102,289a year

    6% below the county

    3% above California

    • Cameron Park
    • El Dorado
    • California

  • Households that own their home

    67%

    11 points below the county

    11 points above California

    • Cameron Park
    • El Dorado
    • California

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

Cameron Park is in El Dorado 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 El Dorado County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cameron Park apart

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

  1. Nearby, in Diamond Springs, the typical home value is $423,400: 37% less than in Cameron Park ($667,900).

  2. Nearby, in Placerville, the typical rent is $1,234: 32% less than in Cameron Park ($1,806).

  3. 67% of households in Cameron Park own their home, against 77% in El Dorado County.

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

The homes here

Housing in Cameron Park

What homes there are in Cameron Park, 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

The detached house is still the most common home in Cameron Park, but it weighs less than in El Dorado County: 64% against 81%.

Year built

The typical home in Cameron Park was built in 1987, 4 years after the typical one in El Dorado County.

In Cameron Park, 69% of homes have 3 bedrooms or more, about the same as in El Dorado County.

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

$2,836 a month

El Dorado County: $3,014 a month

Without a mortgage

$996 a month

El Dorado County: $939 a month

Owners with a mortgage

77%

El Dorado County: 68%

Owning costs less in Cameron Park: with a mortgage, the typical cost is $2,836 a month; in El Dorado County, $3,014. Without one, $996.

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

From 2015–2019 to 2020–2024, the typical home value in Cameron Park rose 52%; in El Dorado County, it rose 48%.

The typical rent in Cameron Park rose 30% over the same time; in El Dorado County, it rose 36%.

To compare: typical income in Cameron Park rose 28%; the home, +52%; the rent, +30%.

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

MeasureCameron ParkEl Dorado CountyCaliforniaUnited States
Rental vacancy Unreliable estimate7.4%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.5%8.2%3.4%
People per household 2.402.502.842.53
Drive alone 67%66%66%69%
Carpool 6%7%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 23%22%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in El Dorado County, a household in Cameron Park has 2.40 people on average.

The car rules in Cameron Park: 67% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Cameron Park?

A typical home costs more than the typical income allows

We start with a typical home in Cameron Park, worth $667,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Cameron Park, which is $102,289 a year. For that payment to be 28% of income, a household would need to earn about $231,445 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cameron Park. 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 $23,377 (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

$5,400

at 7.18% · 30 years

Loan amount
$655,802
Total interest
$943,545
Paid off in
November 2056

Includes $11,279 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,387 a month

  • Tight

    $2,387 to $3,069 a month

  • Hard

    more than $3,069 a month

    Your payment · 63%

Compared with the typical household income in Cameron Park ($102,289 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,400
Principal & interest$4,443
Property tax$384
Home insurance$278
FHA mortgage insurance (MIP)$295

You need at least $23,377 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

Cameron Park and El Dorado County

Cameron Park is in El Dorado 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).

Cameron Park's own numbers

Typical home value
$667,900
Typical monthly rent
$1,806
Typical yearly household income
$102,289
Households that own their home
67%
Effective property tax rate
0.69%

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

Numbers for all of El Dorado 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)
+32%
Homes in a high flood-risk zone
0.5%

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 El Dorado County.

Everything about El Dorado County

Buying

Buying a home in Cameron Park

A typical home in Cameron Park is worth $667,900: about the same as the county and 9% below California. With the typical household income in Cameron Park ($102,289 a year), a typical home costs 6.5 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.

  • Cameron Park 6.5 years
  • El Dorado 6.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in El Dorado County

According to FHFA’s house price index, home prices in El Dorado County rose 70% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +0.5% +0.8% +2.9%
5 years (2020–2025) +32% +40% +47%
10 years (2015–2025) +70% +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

Cameron Park next to El Dorado 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
  • Cameron Park $667,900
  • El Dorado $679,900
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Cameron Park $1,806
  • El Dorado $1,715
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Cameron Park $102,289
  • El Dorado $108,845
  • California $99,122
  • United States $80,734
See the full table
Cameron Park next to El Dorado County and California
Measure Cameron Park El Dorado County California U.S.
Typical home value $667,900 $679,900 $734,700 $332,700
Typical monthly rent $1,806 $1,715 $2,036 $1,413
Typical yearly household income $102,289 $108,845 $99,122 $80,734
Households that own their home 67% 77% 56% 65%
Typical yearly property tax $4,611 $4,753 $5,124 $3,119
Effective property tax rate 0.69% 0.7% 0.7% 0.94%
Renters with high rent for their income 46% 54% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below El Dorado 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 Cameron Park

For a typical $667,900 home in Cameron Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cameron Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,400a month

    Least cash to close
    Down payment
    $23,377
    Cash to close
    $43,414
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $295

  • Conventional, 5% down $5,278a month

    Down payment
    $33,395
    Cash to close
    $53,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $317

  • Conventional, 20% down, no PMI $4,282a month

    Down payment
    $133,580
    Cash to close
    $153,617
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,899a month

    Down payment
    $100,185
    Cash to close
    $120,222
    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 Cameron Park and for El Dorado County.

Property tax

Effective rate in Cameron Park

0.69%of the home’s value each year

$4,611 a year for the typical owner in Cameron Park.

  • Cameron Park 0.69%
  • El Dorado 0.7%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in El Dorado County

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

Homes in the high-risk zone
0.5%
445
Of those, with NFIP insurance
24%
County California U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 24% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cameron Park

Typical rent in Cameron Park is $1,806 a month: 5% above the county. In Cameron Park, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of El Dorado 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 El Dorado 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 Cameron Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cameron Park has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,230 in 95682 to $2,780 in 95672.

2 of the 2 are above the fair market rent for El Dorado County ($2,201).

  • 95672 $2,780$3,650
  • 95682 $2,230$2,920

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cameron Park 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 Cameron Park

HUD lists 4 buildings with rents for lower incomes in Cameron Park. These are the largest.

  • Knolls at Green Valley 3301 Cimmarron Rd, Cameron Park 95682 200 homes, 199 low-income · 1 bd: 64 · 2 bd: 100 · 3 bd: 36 · In service since 2005 · For families
  • Glenview Apartments 2361 Bass Lake Rd, Cameron Park 95682 88 homes, 87 low-income · 2 bd: 40 · 3 bd: 48 · In service since 2016 · For families
  • Cameron Park Village 3433 Palmer Dr, Cameron Park 95682 80 homes, 79 low-income · 1 bd: 40 · 2 bd: 8 · 3 bd: 32 · In service since 1995 · For families
  • Green Valley Apts 2640 La Crescenta Dr, Cameron Park 95682 40 homes, 39 low-income · 1 bd: 16 · 2 bd: 16 · 3 bd: 8 · In service since 2005

See all 27 buildings in El Dorado County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cameron Park

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 El Dorado County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Cameron Park

No down payment, repair or rent-help program on our list is for Cameron Park or El Dorado County. The ones below are statewide in California: they work in Cameron Park 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 Cameron Park

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

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 20 miles away · Spanish

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

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 24 miles away · Spanish

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

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 27 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Cameron Park

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 Cameron Park

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

  • County of El Dorado Housing Authority Section 8 vouchers (530) 621-6300

All housing agencies in California Source: HUD

Cities

Other cities in El Dorado County

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

Everything about El Dorado County Housing in California

Nearby cities

The cities closest to Cameron Park, with the typical home value.

Neighboring counties

If El Dorado 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 Cameron Park.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Cameron Park

Short answers with the numbers for Cameron Park and all of El Dorado 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 Cameron Park?

The typical home value in Cameron Park is $667,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in El Dorado County it is $679,900.

How much does it cost to rent in Cameron Park?

Typical rent in Cameron Park is $1,806 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in El Dorado County is $2,201.

What is the FHA loan limit in Cameron Park?

Cameron Park uses the FHA limit for all of El Dorado 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 Cameron Park?

The typical homeowner in Cameron Park pays $4,611 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in El Dorado County, the rate is 0.7%.

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

We found no HUD-approved counseling agencies with an office in El Dorado 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).