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City · 7,131 residents · Calaveras County, California

Rancho Calaveras , California

In Rancho Calaveras, a typical home is worth $443,900 and typical rent is $1,826 a month. Compared with all of Calaveras County, typical household income is 13% higher, typical rent is 12% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $443,900

    3% below the county

    40% below California

    • Rancho Calaveras
    • Calaveras
    • California

  • Typical rent

    $1,826a month

    12% above the county

    10% below California

    • Rancho Calaveras
    • Calaveras
    • California

  • Typical household income

    $88,779a year

    13% above the county

    10% below California

    • Rancho Calaveras
    • Calaveras
    • California

  • Households that own their home

    95%

    11 points above the county

    39 points above California

    • Rancho Calaveras
    • Calaveras
    • California

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

Rancho Calaveras is in Calaveras 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 Calaveras County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rancho Calaveras apart

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

  1. Rancho Calaveras has the 3rd highest homeownership rate of the 652 cities in California with more than 5,000 people (95%).

  2. Nearby, in August, the typical home value is $296,100: 33% less than in Rancho Calaveras ($443,900).

  3. Nearby, in August, the typical rent is $1,221: 33% less than in Rancho Calaveras ($1,826).

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

The homes here

Housing in Rancho Calaveras

What homes there are in Rancho Calaveras, 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 rules in Rancho Calaveras: 95% of homes, more than in Calaveras County (87%).

Year built

Homes in Rancho Calaveras are newer: the typical year built is 1992; in Calaveras County, 1986.

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

$2,205 a month

Calaveras County: $2,369 a month

Without a mortgage

$863 a month

Calaveras County: $829 a month

Owners with a mortgage

68%

Calaveras County: 54%

In Rancho Calaveras, 68% of owners have a mortgage, and their typical cost is $2,205 a month, against $2,369 in Calaveras County. Without one it drops to $863.

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 Rancho Calaveras rose 53%; in Calaveras County, it rose 43%.

Rent in Rancho Calaveras moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureRancho CalaverasCalaveras 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 estimate3.3%8.2%3.4%
People per household 2.962.482.842.53
Drive alone 75%72%66%69%
Carpool Unreliable estimate7%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 16%16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 40 to 59 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.96 on average, against 2.48 in Calaveras County.

In Rancho Calaveras, 75% of workers drive alone to work; in Calaveras County, 72%.

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 Rancho Calaveras?

A typical home costs more than the typical income allows

We start with a typical home in Rancho Calaveras, worth $443,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Rancho Calaveras, which is $88,779 a year. For that payment to be 28% of income, a household would need to earn about $155,567 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rancho Calaveras. 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 $15,537 (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

$3,630

at 7.18% · 30 years

Loan amount
$435,859
Total interest
$627,099
Paid off in
November 2056

Includes $7,496 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,072 a month

  • Tight

    $2,072 to $2,663 a month

  • Hard

    more than $2,663 a month

    Your payment · 49%

Compared with the typical household income in Rancho Calaveras ($88,779 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,630
Principal & interest$2,953
Property tax$296
Home insurance$185
FHA mortgage insurance (MIP)$196

You need at least $15,537 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

Rancho Calaveras and Calaveras County

Rancho Calaveras is in Calaveras 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).

Rancho Calaveras's own numbers

Typical home value
$443,900
Typical monthly rent
$1,826
Typical yearly household income
$88,779
Households that own their home
95%
Effective property tax rate
0.8%

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

Numbers for all of Calaveras County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,533
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
0.7%

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 Calaveras County.

Everything about Calaveras County

Buying

Buying a home in Rancho Calaveras

A typical home in Rancho Calaveras is worth $443,900: 3% below the county and 40% below California. With the typical household income in Rancho Calaveras ($88,779 a year), a typical home costs 5.0 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.

  • Rancho Calaveras 5.0 years
  • Calaveras 5.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calaveras County

According to FHFA’s house price index, home prices in Calaveras County rose 76% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +31% +40% +47%
10 years (2015–2025) +76% +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

Rancho Calaveras next to Calaveras 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
  • Rancho Calaveras $443,900
  • Calaveras $457,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Rancho Calaveras $1,826
  • Calaveras $1,625
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Rancho Calaveras $88,779
  • Calaveras $78,647
  • California $99,122
  • United States $80,734
See the full table
Rancho Calaveras next to Calaveras County and California
Measure Rancho Calaveras Calaveras County California U.S.
Typical home value $443,900 $457,200 $734,700 $332,700
Typical monthly rent $1,826 $1,625 $2,036 $1,413
Typical yearly household income $88,779 $78,647 $99,122 $80,734
Households that own their home 95% 84% 56% 65%
Typical yearly property tax $3,540 $3,319 $5,124 $3,119
Effective property tax rate 0.8% 0.73% 0.7% 0.94%

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

For a typical $443,900 home in Rancho Calaveras, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rancho Calaveras's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,630a month

    Least cash to close
    Down payment
    $15,537
    Cash to close
    $28,854
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $196

  • Conventional, 5% down $3,549a month

    Down payment
    $22,195
    Cash to close
    $35,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $211

  • Conventional, 20% down, no PMI $2,887a month

    Down payment
    $88,780
    Cash to close
    $102,097
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,297a month

    Down payment
    $66,585
    Cash to close
    $79,902
    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 Rancho Calaveras and for Calaveras County.

Property tax

Effective rate in Rancho Calaveras

0.8%of the home’s value each year

$3,540 a year for the typical owner in Rancho Calaveras.

  • Rancho Calaveras 0.8%
  • Calaveras 0.73%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Calaveras County

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

Homes in the high-risk zone
0.7%
172
Of those, with NFIP insurance
37%
County California U.S.
Homes in the high-risk zone 0.7% 2.8% 3.5%
Of those, with NFIP insurance 37% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rancho Calaveras

Typical rent in Rancho Calaveras is $1,826 a month: 12% above the county.

HUD publishes a fair market rent for all of Calaveras County, by unit size. To pay the 2-bedroom one ($1,533 a month) without spending more than 30% of your income, you would need to earn $29.48 an hour working full time.

HUD fair market rent for all of Calaveras 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 $1,109 $21.33 $44,360
1 bedroom $1,172 $22.54 $46,880
2 bedrooms $1,533 $29.48 $61,320
3 bedrooms $2,123 $40.83 $84,920
4 bedrooms $2,224 $42.77 $88,960

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 Rancho Calaveras

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rancho Calaveras is in ZIP code 95252.

For 2 bedrooms it is $1,640: $107 more than the fair market rent for Calaveras County ($1,533).

  • 95252 $1,640$2,270

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

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Rancho Calaveras

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

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

  • Visionary Home Builders of California

    315 N San Joaquin St, Stockton · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 3 more
    (209) 466-6811

  • Habitat for Humanity, Stanislaus County

    2260 Tenaya Dr, Modesto · 35 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (209) 575-4585

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 39 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Rancho Calaveras

2 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 Rancho Calaveras

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

All housing agencies in California Source: HUD

Cities

Nearby cities

The cities closest to Rancho Calaveras, with the typical home value.

Everything about Calaveras County Housing in California

Neighboring counties

If Calaveras 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 Rancho Calaveras.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Rancho Calaveras

Short answers with the numbers for Rancho Calaveras and all of Calaveras 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 Rancho Calaveras?

The typical home value in Rancho Calaveras is $443,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calaveras County it is $457,200.

How much does it cost to rent in Rancho Calaveras?

Typical rent in Rancho Calaveras is $1,826 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calaveras County is $1,533.

What is the FHA loan limit in Rancho Calaveras?

Rancho Calaveras uses the FHA limit for all of Calaveras 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 Rancho Calaveras?

The typical homeowner in Rancho Calaveras pays $3,540 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Calaveras County, the rate is 0.73%.

Where can I find free help to buy or rent in Rancho Calaveras?

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