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City · 9,418 residents · Yuba County, California

Plumas Lake , California

In Plumas Lake, a typical home is worth $555,300 and typical rent is $2,302 a month. Compared with all of Yuba County, typical rent is 76% higher, typical household income is 58% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $555,300

    35% above the county

    24% below California

    • Plumas Lake
    • Yuba
    • California

  • Typical rent

    $2,302a month

    76% above the county

    13% above California

    • Plumas Lake
    • Yuba
    • California

  • Typical household income

    $120,408a year

    58% above the county

    21% above California

    • Plumas Lake
    • Yuba
    • California

  • Households that own their home

    91%

    28 points above the county

    36 points above California

    • Plumas Lake
    • Yuba
    • California

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

Plumas Lake is in Yuba County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Yuba County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Plumas Lake apart

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

  1. Plumas Lake has the largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people: 100%.

  2. 91% of households in Plumas Lake own their home, against 64% in Yuba County.

  3. The typical rent in Plumas Lake is $2,302 a month, 76% more than in Yuba County as a whole ($1,311).

  4. The typical household income in Plumas Lake is $120,408, 58% more than in Yuba County as a whole ($76,373).

  5. Nearby, in Linda, the typical rent is $1,211: 47% less than in Plumas Lake ($2,302).

  6. Nearby, in Marysville, the typical home value is $292,300: 47% less than in Plumas Lake ($555,300).

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

The homes here

Housing in Plumas Lake

What homes there are in Plumas Lake, 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 houses, standing on their own, make up 100% of homes here, against 71% in Yuba County.

Year built

Homes in Plumas Lake are newer: the typical year built is 2008; in Yuba County, 1986.

There is more room for a big family here: 96% of homes have 3 bedrooms or more, against 65% in Yuba 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

$2,788 a month

Yuba County: $2,231 a month

Without a mortgage

$838 a month

Yuba County: $675 a month

Owners with a mortgage

87%

Yuba County: 69%

Owning costs more in Plumas Lake: with a mortgage, the typical cost is $2,788 a month; in Yuba County, $2,231. Without one, $838.

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 boundaries of Plumas Lake changed since 2015–2019, so the Census does not compare its figures from then and now. In Yuba County, the typical home value rose 60%.

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

MeasurePlumas LakeYuba CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate5.5%8.2%3.4%
People per household 3.072.902.842.53
Drive alone 66%77%66%69%
Carpool 18%12%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 16%9%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Plumas Lake has 3.07 people, more than in Yuba County (2.90).

Many people here do not commute at all: 16% work from home; in Yuba County, 9%.

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 Plumas Lake?

A typical home costs more than the typical income allows

We start with a typical home in Plumas Lake, worth $555,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Plumas Lake, which is $120,408 a year. For that payment to be 28% of income, a household would need to earn about $199,367 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Plumas Lake. 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 $19,436 (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

$4,652

at 7.18% · 30 years

Loan amount
$545,242
Total interest
$784,475
Paid off in
November 2056

Includes $9,378 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,810 a month

  • Tight

    $2,810 to $3,612 a month

  • Hard

    more than $3,612 a month

    Your payment · 46%

Compared with the typical household income in Plumas Lake ($120,408 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,652
Principal & interest$3,694
Property tax$481
Home insurance$231
FHA mortgage insurance (MIP)$246

You need at least $19,436 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

Plumas Lake and Yuba County

Plumas Lake is in Yuba 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).

Plumas Lake's own numbers

Typical home value
$555,300
Typical monthly rent
$2,302
Typical yearly household income
$120,408
Households that own their home
91%
Effective property tax rate
1.04%

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

Numbers for all of Yuba County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,600
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
5.7%

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 Yuba County.

Everything about Yuba County

Buying

Buying a home in Plumas Lake

A typical home in Plumas Lake is worth $555,300: 35% above the county and 24% below California. With the typical household income in Plumas Lake ($120,408 a year), a typical home costs 4.6 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.

  • Plumas Lake 4.6 years
  • Yuba 5.4 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Yuba County

According to FHFA’s house price index, home prices in Yuba County rose 104% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +37% +40% +47%
10 years (2015–2025) +104% +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

Plumas Lake next to Yuba 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
  • Plumas Lake $555,300
  • Yuba $412,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Plumas Lake $2,302
  • Yuba $1,311
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Plumas Lake $120,408
  • Yuba $76,373
  • California $99,122
  • United States $80,734
See the full table
Plumas Lake next to Yuba County and California
Measure Plumas Lake Yuba County California U.S.
Typical home value $555,300 $412,300 $734,700 $332,700
Typical monthly rent $2,302 $1,311 $2,036 $1,413
Typical yearly household income $120,408 $76,373 $99,122 $80,734
Households that own their home 91% 64% 56% 65%
Typical yearly property tax $5,768 $3,071 $5,124 $3,119
Effective property tax rate 1.04% 0.74% 0.7% 0.94%
Renters with high rent for their income 100% 54% 55% 51%

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

For a typical $555,300 home in Plumas Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plumas Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,652a month

    Above the FHA limit for Yuba County ($541,287)
    Down payment
    $19,436
    Cash to close
    $36,095
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $246

  • Conventional, 5% down $4,550a month

    Least cash to close
    Down payment
    $27,765
    Cash to close
    $44,424
    Rate
    7.18%
    Mortgage insurance
    PMI · $264

  • Conventional, 20% down, no PMI $3,722a month

    Down payment
    $111,060
    Cash to close
    $127,719
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,235a month

    Down payment
    $83,295
    Cash to close
    $99,954
    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 Plumas Lake and for Yuba County.

Property tax

Effective rate in Plumas Lake

1.04%of the home’s value each year

$5,768 a year for the typical owner in Plumas Lake.

  • Plumas Lake 1.04%
  • Yuba 0.74%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Yuba County

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

Homes in the high-risk zone
5.7%
1,467
Of those, with NFIP insurance
28%
County California U.S.
Homes in the high-risk zone 5.7% 2.8% 3.5%
Of those, with NFIP insurance 28% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Plumas Lake

Typical rent in Plumas Lake is $2,302 a month: 76% above the county. In Plumas Lake, 100% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Yuba County, by unit size. To pay the 2-bedroom one ($1,600 a month) without spending more than 30% of your income, you would need to earn $30.77 an hour working full time.

HUD fair market rent for all of Yuba 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 $1,159 $22.29 $46,360
1 bedroom $1,367 $26.29 $54,680
2 bedrooms $1,600 $30.77 $64,000
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,674 $51.42 $106,960

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 Plumas Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plumas Lake is in ZIP code 95961.

For 2 bedrooms it is $1,570: $30 less than the fair market rent for Yuba County ($1,600).

  • 95961 $1,570$2,170

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

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Plumas Lake

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

The HUD-approved agencies closest to the center of Plumas Lake, 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 · 25 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 · 29 miles away · Spanish

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

  • Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region

    2411 Alhambra Blvd, Sacramento · 30 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (916) 452-5356

All counseling agencies in California

Help in Spanish near Plumas Lake

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 Plumas Lake

HUD lists no housing authority with an office in Yuba 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 Yuba County

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

Everything about Yuba County Housing in California

Nearby cities

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

Neighboring counties

If Yuba 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 Plumas Lake.

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

Questions

Housing questions about Plumas Lake

Short answers with the numbers for Plumas Lake and all of Yuba 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 Plumas Lake?

The typical home value in Plumas Lake is $555,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yuba County it is $412,300.

How much does it cost to rent in Plumas Lake?

Typical rent in Plumas Lake is $2,302 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yuba County is $1,600.

What is the FHA loan limit in Plumas Lake?

Plumas Lake uses the FHA limit for all of Yuba County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Plumas Lake?

The typical homeowner in Plumas Lake pays $5,768 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Yuba County, the rate is 0.74%.

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

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