City · 10,762 residents · El Dorado County, California
Placerville, California
In Placerville, a typical home is worth $473,100 and typical rent is $1,234 a month. Compared with all of El Dorado County, typical household income is 38% lower, the typical home value is 30% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $511,359 to $525,042.
Typical rent
$2,149a month
▲ 0.9% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,974 to $2,149.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Placerville 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
What this place has that others do not, from public data, most unusual first.
1
58% of households in Placerville own their home, against 77% in El Dorado County.
2
The typical household income in Placerville is $67,274,38% less than in El Dorado County as a whole ($108,845).
3
The typical home in Placerville is worth $473,100,30% less than in El Dorado County as a whole ($679,900).
4
The typical rent in Placerville is $1,234 a month, 28% less than in El Dorado County as a whole ($1,715).
5
Nearby, in Pollock Pines, the typical home value is $394,000: 17% less than in Placerville ($473,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Placerville
What homes there are in Placerville, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Placerville
El Dorado County
California
United States
Kind of home: Placerville and its comparisons
Measure
Placerville
El Dorado County
California
United States
Detached house
63%
81%
57%
61%
Attached house
4%
3%
7%
6%
Building of 2 to 4
16%
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
7%
24%
19%
Mobile home
Unreliable estimate
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Placerville, 6 in 10 homes are single-family detached houses; in El Dorado County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Placerville
El Dorado County
California
United States
Year built: Placerville and its comparisons
Measure
Placerville
El Dorado County
California
United States
Before 1960
32%
12%
27%
26%
1960–1979
26%
33%
29%
24%
1980–1999
24%
32%
25%
25%
2000–2009
14%
16%
11%
14%
2010 or later
5%
7%
8%
11%
The typical home in Placerville was built in 1975, 8 years before the typical one in El Dorado County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K51%
$500K–$750K32%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Placerville and its comparisons
Measure
Placerville
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
51%
$500K–$750K
32%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99924%
$1,000–$1,49930%
$1,500–$1,99918%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Placerville and its comparisons
Measure
Placerville
Under $500
Unreliable estimate
$500–$999
24%
$1,000–$1,499
30%
$1,500–$1,999
18%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,335 a month
El Dorado County: $3,014 a month
Without a mortgage
$903 a month
El Dorado County: $939 a month
Owners with a mortgage
72%
El Dorado County: 68%
Owning costs less in Placerville: with a mortgage, the typical cost is $2,335 a month; in El Dorado County, $3,014. Without one, $903.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Placerville+33%
El Dorado County+48%
California+46%
United States+53%
Typical rent
PlacervilleNo clear change
El Dorado County+36%
California+36%
United States+33%
Typical household income
PlacervilleNo clear change
El Dorado County+31%
California+32%
United States+29%
Change since 2015–2019: Placerville and its comparisons
Measure
Placerville
El Dorado County
California
United States
Typical home value
+33%
+48%
+46%
+53%
Typical rent
No clear change
+36%
+36%
+33%
Typical household income
No clear change
+31%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Placerville rose 33%; in El Dorado County, it rose 48%.
Rent in Placerville moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Placerville and its comparisons
Measure
Placerville
El Dorado County
California
United States
Rental vacancy
Unreliable estimate
7.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
2.5%
8.2%
3.4%
People per household
2.12
2.50
2.84
2.53
Drive alone
71%
66%
66%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
16%
22%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Placerville has 2.12 people, fewer than in El Dorado County (2.50).
To get to work, 71% of workers in Placerville drive alone; in El Dorado County, 66%.
Do the math
What would you pay each month for a home in Placerville?
A typical home costs more than the typical income allows
We start with a typical home in Placerville, worth $473,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Placerville, which is $67,274 a year. For that payment to be 28% of income, a household would need to earn about $164,955 a year.
The calculator's FHA and conventional loan limits are those of all of El Dorado County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Placerville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,559 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,849
at 7.18% · 30 years
Loan amount
$464,530
Total interest
$668,350
Paid off in
November 2056
Includes $7,989 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,570 a month
Tight
$1,570 to $2,018 a month
Hard
more than $2,018 a month
Your payment · 69%
Compared with the typical household income in Placerville ($67,274 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,147
Property tax
$296
Home insurance
$197
FHA mortgage insurance (MIP)
$209
You need at least $16,559 for the down payment, plus closing costs.
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.
Total monthly payment $3,849; principal and interest $3,147.
The city and its county
Placerville and El Dorado County
Placerville 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).
Placerville
Map of El Dorado County, California, with Placerville marked. Around it, the neighboring counties.
Placerville
El Dorado County
Other cities with a page
Placerville's own numbers
Typical home value
$473,100
Typical monthly rent
$1,234
Typical yearly household income
$67,274
Households that own their home
58%
Effective property tax rate
0.75%
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.
A typical home in Placerville is worth $473,100: 30% below the county and 36% below California. With the typical household income in Placerville ($67,274 a year), a typical home costs 7.0 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.
Placerville7.0 years
El Dorado6.2 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in El Dorado County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +7.4% +7.4% 2017
2018: +5.8% +5.8% 2018
2019: +2.6% +2.6% 2019
2020: +2.2% +2.2% 2020
2021: +15.2% +15.2% 2021
2022: +12.9% +12.9% 2022
2023: −1.0% −1.0% 2023
2024: +1.9% +1.9% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in El Dorado County, California and the United States
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
Placerville 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
Placerville$473,100
El Dorado$679,900
California$734,700
United States$332,700
Typical monthly rent
Placerville$1,234
El Dorado$1,715
California$2,036
United States$1,413
Typical yearly household income
Placerville$67,274
El Dorado$108,845
California$99,122
United States$80,734
See the full table
Placerville next to El Dorado County and California
Measure
Placerville
El Dorado County
California
U.S.
Typical home value
$473,100 ▼30% below the county
$679,900
$734,700
$332,700
Typical monthly rent
$1,234 ▼28% below the county
$1,715
$2,036
$1,413
Typical yearly household income
$67,274 ▼38% below the county
$108,845
$99,122
$80,734
Households that own their home
58% ▼19 points below the county
77%
56%
65%
Typical yearly property tax
$3,563 ▼25% below the county
$4,753
$5,124
$3,119
Effective property tax rate
0.75% ▲0.05 points above the county
0.7%
0.7%
0.94%
Renters with high rent for their income
65% ▲11 points above the county
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 Placerville
For a typical $473,100 home in Placerville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Placerville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,849a month
Least cash to close
Down payment
$16,559
Cash to close
$30,752
Rate
7.18%
Mortgage insurance
FHA MIP · $209
Conventional, 5% down$3,762a month
Down payment
$23,655
Cash to close
$37,848
Rate
7.18%
Mortgage insurance
PMI · $225
Conventional, 20% down, no PMI$3,057a month
Down payment
$94,620
Cash to close
$108,813
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,494a month
Down payment
$70,965
Cash to close
$85,158
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Placerville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,849
$16,559
$464,531
7.18%
FHA MIP · $209
$30,752
580
Conventional, 5% down
$3,762
$23,655
$449,445
7.18%
PMI · $225
$37,848
620*
Conventional, 20% down, no PMI
$3,057
$94,620
$378,480
7.18%
None
$108,813
620*
ITIN, 15% down (example)
$3,494
$70,965
$402,135
8.18%
None
$85,158
Set by the lender
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.
Typical rent in Placerville is $1,234 a month: 28% below the county. In Placerville, 65% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in El Dorado County (Fiscal year 2027)
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 Placerville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Placerville is in ZIP code 95667.
For 2 bedrooms it is $1,790: $411 less than the fair market rent for El Dorado County ($2,201).
Fair market rent by ZIP code and size in Placerville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95667
$1,420
$1,460
$1,790
$2,350
$2,710
ZIP code2 bd3 bd
95667 $1,790$2,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Placerville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Placerville or El Dorado County. The ones below are statewide in California: they work in Placerville the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Placerville or El Dorado County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Placerville 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 Placerville?
The typical home value in Placerville is $473,100, 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 Placerville?
Typical rent in Placerville is $1,234 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 Placerville?
Placerville 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 Placerville?
The typical homeowner in Placerville pays $3,563 a year, according to the U.S. Census Bureau. That is 0.75% 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 Placerville?
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.
