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City · 6,212 residents · El Dorado County, California

Pollock Pines , California

In Pollock Pines, a typical home is worth $394,000 and typical rent is $1,281 a month. Compared with all of El Dorado County, the typical home value is 42% lower and typical household income is 31% lower.

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  • Typical home value

    $394,000

    42% below the county

    46% below California

    • Pollock Pines
    • El Dorado
    • California

  • Typical rent

    $1,281a month

    25% below the county

    37% below California

    • Pollock Pines
    • El Dorado
    • California

  • Typical household income

    $74,924a year

    31% below the county

    24% below California

    • Pollock Pines
    • El Dorado
    • California

  • Households that own their home

    73%

    4 points below the county

    17 points above California

    • Pollock Pines
    • El Dorado
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$389,417
0.6% less than 12 months ago
Typical rent
$2,575 a month

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

Pollock Pines 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 Pollock Pines apart

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

  1. The typical home in Pollock Pines is worth $394,000, 42% less than in El Dorado County as a whole ($679,900).

  2. The typical household income in Pollock Pines is $74,924, 31% less than in El Dorado County as a whole ($108,845).

  3. The typical rent in Pollock Pines is $1,281 a month, 25% less than in El Dorado County as a whole ($1,715).

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

The homes here

Housing in Pollock Pines

What homes there are in Pollock 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 Pollock Pines, 7 in 10 homes are single-family detached houses; in El Dorado County, 8.

There are more mobile homes here than in El Dorado County: 11% of homes, against 5%.

Year built

Homes in Pollock Pines are older: the typical year built is 1977; in El Dorado County, 1983.

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

$2,003 a month

El Dorado County: $3,014 a month

Without a mortgage

$671 a month

El Dorado County: $939 a month

Owners with a mortgage

57%

El Dorado County: 68%

Owning costs less in Pollock Pines: with a mortgage, the typical cost is $2,003 a month; in El Dorado County, $3,014. Without one, $671.

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 Pollock Pines with 2015–2019 because its boundaries changed. In El Dorado County, over that time, the typical home value rose 48%.

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

MeasurePollock PinesEl 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 2.272.502.842.53
Drive alone 73%66%66%69%
Carpool 8%7%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 15%22%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.27 on average, against 2.50 in El Dorado County.

To get to work, 73% of workers in Pollock Pines drive alone; in El Dorado County, 66%.

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 Pollock Pines?

A typical home costs more than the typical income allows

We start with a typical home in Pollock Pines, worth $394,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Pollock Pines, which is $74,924 a year. For that payment to be 28% of income, a household would need to earn about $136,109 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 Pollock 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 $13,790 (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

$3,176

at 7.18% · 30 years

Loan amount
$386,864
Total interest
$556,606
Paid off in
November 2056

Includes $6,654 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,748 a month

  • Tight

    $1,748 to $2,248 a month

  • Hard

    more than $2,248 a month

    Your payment · 51%

Compared with the typical household income in Pollock Pines ($74,924 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,176
Principal & interest$2,621
Property tax$217
Home insurance$164
FHA mortgage insurance (MIP)$174

You need at least $13,790 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

Pollock Pines and El Dorado County

Pollock Pines 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).

Pollock Pines's own numbers

Typical home value
$394,000
Typical monthly rent
$1,281
Typical yearly household income
$74,924
Households that own their home
73%
Effective property tax rate
0.66%

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 Pollock Pines

A typical home in Pollock Pines is worth $394,000: 42% below the county and 46% below California. With the typical household income in Pollock Pines ($74,924 a year), a typical home costs 5.3 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.

  • Pollock Pines 5.3 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

Pollock Pines 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
  • Pollock Pines $394,000
  • El Dorado $679,900
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Pollock Pines $1,281
  • El Dorado $1,715
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Pollock Pines $74,924
  • El Dorado $108,845
  • California $99,122
  • United States $80,734
See the full table
Pollock Pines next to El Dorado County and California
Measure Pollock Pines El Dorado County California U.S.
Typical home value $394,000 $679,900 $734,700 $332,700
Typical monthly rent $1,281 $1,715 $2,036 $1,413
Typical yearly household income $74,924 $108,845 $99,122 $80,734
Households that own their home 73% 77% 56% 65%
Typical yearly property tax $2,584 $4,753 $5,124 $3,119
Effective property tax rate 0.66% 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 Pollock Pines

For a typical $394,000 home in Pollock Pines, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pollock Pines's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,176a month

    Least cash to close
    Down payment
    $13,790
    Cash to close
    $25,610
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $174

  • Conventional, 5% down $3,104a month

    Down payment
    $19,700
    Cash to close
    $31,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $187

  • Conventional, 20% down, no PMI $2,516a month

    Down payment
    $78,800
    Cash to close
    $90,620
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,880a month

    Down payment
    $59,100
    Cash to close
    $70,920
    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 Pollock Pines and for El Dorado County.

Property tax

Effective rate in Pollock Pines

0.66%of the home’s value each year

$2,584 a year for the typical owner in Pollock Pines.

  • Pollock Pines 0.66%
  • 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 Pollock Pines

Typical rent in Pollock Pines is $1,281 a month: 25% below the county. In Pollock Pines, 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 Pollock Pines

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pollock Pines is in ZIP code 95726.

For 2 bedrooms it is $1,410: $791 less than the fair market rent for El Dorado County ($2,201).

  • 95726 $1,410$1,850

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pollock 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 Pollock 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 El Dorado County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Pollock Pines

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

The HUD-approved agencies closest to the center of Pollock Pines, 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 · 42 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 · 46 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 · 49 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Pollock 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 Pollock Pines

HUD’s record names them for Pollock Pines 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 Pollock Pines, 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 Pollock Pines.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Pollock Pines

Short answers with the numbers for Pollock Pines 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 Pollock Pines?

The typical home value in Pollock Pines is $394,000, 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 Pollock Pines?

Typical rent in Pollock Pines is $1,281 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 Pollock Pines?

Pollock Pines 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 Pollock Pines?

The typical homeowner in Pollock Pines pays $2,584 a year, according to the U.S. Census Bureau. That is 0.66% 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 Pollock Pines?

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).