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City · 5,461 residents · Nevada County, California

Lake of the Pines , California

In Lake of the Pines, a typical home is worth $664,300 and typical rent is $2,399 a month. Compared with all of Nevada County, typical rent is 43% higher, typical household income is 35% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $664,300

    7% above the county

    10% below California

    • Lake of the Pines
    • Nevada
    • California

  • Typical rent

    $2,399a month

    43% above the county

    18% above California

    • Lake of the Pines
    • Nevada
    • California

  • Typical household income

    $121,682a year

    35% above the county

    23% above California

    • Lake of the Pines
    • Nevada
    • California

  • Households that own their home

    88%

    12 points above the county

    32 points above California

    • Lake of the Pines
    • Nevada
    • California

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

Lake of the Pines is in Nevada County. The FHA loan limit ($649,750 for a one-unit home), the fair market rents and the help on this page are those of all of Nevada County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake of the Pines apart

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

  1. Nearby, in Grass Valley, the typical rent is $1,458: 39% less than in Lake of the Pines ($2,399).

  2. The typical rent in Lake of the Pines is $2,399 a month, 43% more than in Nevada County as a whole ($1,677).

  3. The typical household income in Lake of the Pines is $121,682, 35% more than in Nevada County as a whole ($89,882).

  4. Nearby, in Grass Valley, the typical home value is $482,200: 27% less than in Lake of the Pines ($664,300).

  5. Lake of the Pines has the 33rd highest homeownership rate of the 652 cities in California with more than 5,000 people (88%).

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

The homes here

Housing in Lake of the Pines

What homes there are in Lake of the Pines, 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 Lake of the Pines, 10 in 10 homes are single-family detached houses; in Nevada County, 8.

Year built

By age, homes in Lake of the Pines look like those in Nevada County: the typical year built is 1980.

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

$2,729 a month

Nevada County: $2,851 a month

Without a mortgage

$1,147 a month

Nevada County: $997 a month

Owners with a mortgage

71%

Nevada County: 61%

The typical cost for an owner with a mortgage in Lake of the Pines is $2,729 a month, near the figure in Nevada County ($2,851).

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 Census does not compare Lake of the Pines with 2015–2019 because its boundaries changed. In Nevada County, over that time, the typical home value rose 44%.

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

MeasureLake of the PinesNevada CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate1.9%8.2%3.4%
People per household 2.482.362.842.53
Drive alone 65%63%66%69%
Carpool Unreliable estimate6%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 30%25%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Lake of the Pines has 2.48 people, more than in Nevada County (2.36).

In Lake of the Pines, 30% of workers work from home, more than in Nevada County (25%).

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 Lake of the Pines?

A typical home costs more than the typical income allows

We start with a typical home in Lake of the Pines, worth $664,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Lake of the Pines, which is $121,682 a year. For that payment to be 28% of income, a household would need to earn about $233,993 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lake of the Pines. 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 $23,251 (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

$5,460

at 7.18% · 30 years

Loan amount
$652,267
Total interest
$938,460
Paid off in
November 2056

Includes $11,218 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,839 a month

  • Tight

    $2,839 to $3,650 a month

  • Hard

    more than $3,650 a month

    Your payment · 54%

Compared with the typical household income in Lake of the Pines ($121,682 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,460
Principal & interest$4,419
Property tax$471
Home insurance$277
FHA mortgage insurance (MIP)$294

You need at least $23,251 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

Lake of the Pines and Nevada County

Lake of the Pines is in Nevada 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).

Lake of the Pines's own numbers

Typical home value
$664,300
Typical monthly rent
$2,399
Typical yearly household income
$121,682
Households that own their home
88%
Effective property tax rate
0.85%

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

Numbers for all of Nevada County

FHA limit, one-unit home
$649,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,885
Price change over 5 years (FHFA)
+27%
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 Nevada County.

Everything about Nevada County

Buying

Buying a home in Lake of the Pines

A typical home in Lake of the Pines is worth $664,300: 7% above the county and 10% below California. With the typical household income in Lake of the Pines ($121,682 a year), a typical home costs 5.5 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.

  • Lake of the Pines 5.5 years
  • Nevada 6.9 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nevada County

According to FHFA’s house price index, home prices in Nevada County rose 64% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +0.9% +0.8% +2.9%
5 years (2020–2025) +27% +40% +47%
10 years (2015–2025) +64% +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

Lake of the Pines next to Nevada 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
  • Lake of the Pines $664,300
  • Nevada $621,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Lake of the Pines $2,399
  • Nevada $1,677
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Lake of the Pines $121,682
  • Nevada $89,882
  • California $99,122
  • United States $80,734
See the full table
Lake of the Pines next to Nevada County and California
Measure Lake of the Pines Nevada County California U.S.
Typical home value $664,300 $621,800 $734,700 $332,700
Typical monthly rent $2,399 $1,677 $2,036 $1,413
Typical yearly household income $121,682 $89,882 $99,122 $80,734
Households that own their home 88% 75% 56% 65%
Typical yearly property tax $5,633 $4,694 $5,124 $3,119
Effective property tax rate 0.85% 0.75% 0.7% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nevada 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 Lake of the Pines

For a typical $664,300 home in Lake of the Pines, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake of the Pines's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,460a month

    Above the FHA limit for Nevada County ($649,750)
    Down payment
    $23,251
    Cash to close
    $43,180
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $294

  • Conventional, 5% down $5,338a month

    Least cash to close
    Down payment
    $33,215
    Cash to close
    $53,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $316

  • Conventional, 20% down, no PMI $4,347a month

    Down payment
    $132,860
    Cash to close
    $152,789
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,962a month

    Down payment
    $99,645
    Cash to close
    $119,574
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Lake of the Pines and for Nevada County.

Property tax

Effective rate in Lake of the Pines

0.85%of the home’s value each year

$5,633 a year for the typical owner in Lake of the Pines.

  • Lake of the Pines 0.85%
  • Nevada 0.75%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Nevada County

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

Homes in the high-risk zone
0.6%
292
Of those, with NFIP insurance
23%
County California U.S.
Homes in the high-risk zone 0.6% 2.8% 3.5%
Of those, with NFIP insurance 23% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake of the Pines

Typical rent in Lake of the Pines is $2,399 a month: 43% above the county.

HUD publishes a fair market rent for all of Nevada County, by unit size. To pay the 2-bedroom one ($1,885 a month) without spending more than 30% of your income, you would need to earn $36.25 an hour working full time.

HUD fair market rent for all of Nevada 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 $1,313 $25.25 $52,520
1 bedroom $1,441 $27.71 $57,640
2 bedrooms $1,885 $36.25 $75,400
3 bedrooms $2,610 $50.19 $104,400
4 bedrooms $3,151 $60.60 $126,040

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 Lake of the Pines

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake of the Pines is in ZIP code 95602.

For 2 bedrooms it is $2,070: $185 more than the fair market rent for Nevada County ($1,885).

  • 95602 $2,070$2,770

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake of the Pines 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?

Free help

Help to buy or rent in Lake of the Pines

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 Nevada 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 Lake of the Pines

No down payment, repair or rent-help program on our list is for Lake of the Pines or Nevada County. The ones below are statewide in California: they work in Lake of the Pines 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 Lake of the Pines

The HUD-approved agencies closest to the center of Lake of the Pines, 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 · 34 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 · 36 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 · 40 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Lake of the Pines

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 Lake of the Pines

HUD lists no housing authority with an office in Nevada County. One in a neighboring county or the state’s may serve the area.

All housing agencies in California Source: HUD

Cities

Other cities in Nevada County

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

Everything about Nevada County Housing in California

Nearby cities

The cities closest to Lake of the Pines, with the typical home value.

Neighboring counties

If Nevada 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 Lake of the Pines.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Lake of the Pines

Short answers with the numbers for Lake of the Pines and all of Nevada 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 Lake of the Pines?

The typical home value in Lake of the Pines is $664,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nevada County it is $621,800.

How much does it cost to rent in Lake of the Pines?

Typical rent in Lake of the Pines is $2,399 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nevada County is $1,885.

What is the FHA loan limit in Lake of the Pines?

Lake of the Pines uses the FHA limit for all of Nevada County (2026): $649,750 for a one-unit home and $1,249,550 for a four-unit home.

How much property tax do owners pay in Lake of the Pines?

The typical homeowner in Lake of the Pines pays $5,633 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Nevada County, the rate is 0.75%.

Where can I find free help to buy or rent in Lake of the Pines?

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