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City · 7,583 residents · Yolo County, California

Winters , California

In Winters, a typical home is worth $633,900 and typical rent is $1,568 a month. Compared with all of Yolo County, typical household income is 34% higher, typical rent is 16% lower, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $633,900

    2% above the county

    14% below California

    • Winters
    • Yolo
    • California

  • Typical rent

    $1,568a month

    16% below the county

    23% below California

    • Winters
    • Yolo
    • California

  • Typical household income

    $122,951a year

    34% above the county

    24% above California

    • Winters
    • Yolo
    • California

  • Households that own their home

    70%

    16 points above the county

    14 points above California

    • Winters
    • Yolo
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$610,328
0.7% more than 12 months ago
Typical rent
$2,522 a month

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

Winters is in Yolo 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 Yolo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Winters apart

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

  1. Winters has the 13th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (36%).

  2. The typical household income in Winters is $122,951, 34% more than in Yolo County as a whole ($91,752).

  3. 70% of households in Winters own their home, against 54% in Yolo County.

  4. The typical rent in Winters is $1,568 a month, 16% less than in Yolo County as a whole ($1,857).

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

The homes here

Housing in Winters

What homes there are in Winters, 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 74% of homes here, against 58% in Yolo County.

Year built

In Winters, half of the homes were built before 1984; in Yolo County, before 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

$2,812 a month

Yolo County: $2,731 a month

Without a mortgage

$801 a month

Yolo County: $807 a month

Owners with a mortgage

73%

Yolo County: 66%

In Winters, 73% of owners have a mortgage; their typical cost is $2,812 a month, about the same as in Yolo County.

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

Since 2015–2019, homes in Winters gained value faster than in Yolo County: 59% against 46%.

Rent in Winters 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

MeasureWintersYolo CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.2%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate6.4%8.2%3.4%
People per household 3.072.752.842.53
Drive alone 70%62%66%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate3%3%3%
Walk or bike Unreliable estimate8%3%3%
Work from home 16%18%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.07 on average, against 2.75 in Yolo County.

To get to work, 70% of workers in Winters drive alone; in Yolo County, 62%.

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 Winters?

A typical home costs more than the typical income allows

We start with a typical home in Winters, worth $633,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Winters, which is $122,951 a year. For that payment to be 28% of income, a household would need to earn about $218,078 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Winters. 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 $22,187 (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

$5,089

at 7.18% · 30 years

Loan amount
$622,418
Total interest
$895,513
Paid off in
November 2056

Includes $10,705 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,869 a month

  • Tight

    $2,869 to $3,689 a month

  • Hard

    more than $3,689 a month

    Your payment · 50%

Compared with the typical household income in Winters ($122,951 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,089
Principal & interest$4,216
Property tax$328
Home insurance$264
FHA mortgage insurance (MIP)$280

You need at least $22,187 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

Winters and Yolo County

Winters is in Yolo 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).

Winters's own numbers

Typical home value
$633,900
Typical monthly rent
$1,568
Typical yearly household income
$122,951
Households that own their home
70%
Effective property tax rate
0.62%

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

Numbers for all of Yolo County

FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,135
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
5.8%

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 Yolo County.

Everything about Yolo County

Buying

Buying a home in Winters

A typical home in Winters is worth $633,900: 2% above the county and 14% below California. With the typical household income in Winters ($122,951 a year), a typical home costs 5.2 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.

  • Winters 5.2 years
  • Yolo 6.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Yolo County

According to FHFA’s house price index, home prices in Yolo County rose 69% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.9% +0.8% +2.9%
5 years (2020–2025) +30% +40% +47%
10 years (2015–2025) +69% +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

Winters next to Yolo 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
  • Winters $633,900
  • Yolo $620,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Winters $1,568
  • Yolo $1,857
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Winters $122,951
  • Yolo $91,752
  • California $99,122
  • United States $80,734
See the full table
Winters next to Yolo County and California
Measure Winters Yolo County California U.S.
Typical home value $633,900 $620,700 $734,700 $332,700
Typical monthly rent $1,568 $1,857 $2,036 $1,413
Typical yearly household income $122,951 $91,752 $99,122 $80,734
Households that own their home 70% 54% 56% 65%
Typical yearly property tax $3,920 $4,749 $5,124 $3,119
Effective property tax rate 0.62% 0.77% 0.7% 0.94%
Renters with high rent for their income 36% 59% 55% 51%

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

For a typical $633,900 home in Winters, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winters's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,088a month

    Least cash to close
    Down payment
    $22,187
    Cash to close
    $41,204
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $280

  • Conventional, 5% down $4,972a month

    Down payment
    $31,695
    Cash to close
    $50,712
    Rate
    7.18%
    Mortgage insurance
    PMI · $301

  • Conventional, 20% down, no PMI $4,027a month

    Down payment
    $126,780
    Cash to close
    $145,797
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,613a month

    Down payment
    $95,085
    Cash to close
    $114,102
    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 Winters and for Yolo County.

Property tax

Effective rate in Winters

0.62%of the home’s value each year

$3,920 a year for the typical owner in Winters.

  • Winters 0.62%
  • Yolo 0.77%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Yolo County

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

Homes in the high-risk zone
5.8%
3,036
Of those, with NFIP insurance
28%
County California U.S.
Homes in the high-risk zone 5.8% 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 Winters

Typical rent in Winters is $1,568 a month: 16% below the county. In Winters, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Yolo County, by unit size. To pay the 2-bedroom one ($2,135 a month) without spending more than 30% of your income, you would need to earn $41.06 an hour working full time.

HUD fair market rent for all of Yolo 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 $1,659 $31.90 $66,360
1 bedroom $1,670 $32.12 $66,800
2 bedrooms $2,135 $41.06 $85,400
3 bedrooms $2,956 $56.85 $118,240
4 bedrooms $3,095 $59.52 $123,800

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 Winters

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winters is in ZIP code 95694.

For 2 bedrooms it is $1,970: $165 less than the fair market rent for Yolo County ($2,135).

  • 95694 $1,970$2,630

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

Low-income apartments

Low-income apartments in Winters

HUD lists 6 buildings with rents for lower incomes in Winters. These are the largest.

  • El Rio Villa III 63 Myrtle Cir, Winters 95694 141 homes, 140 low-income · Run by Housing Authority of the County of Yolo · Average payment: $758 a month · Average wait: 124 months (530) 662-5428
  • Orchard Village 955 Railroad Ave, Winters 95694 74 homes, 73 low-income · 1 bd: 12 · 2 bd: 26 · 3 bd: 32 · 4 bd: 4 · In service since 2011 · For families
  • Winters Apartments 116 E Baker St, Winters 95694 44 homes, 43 low-income · 1 bd: 18 · 2 bd: 20 · 3 bd: 6 · In service since 2016
  • Almondwood Apts 801 Dutton St, Winters 95694 39 homes, 38 low-income · 2 bd: 33 · 3 bd: 6 · In service since 2011
  • Winters Senior Center Apartments 400 Morgan St, Winters 95694 38 homes, 37 low-income · 1 bd: 37 · 2 bd: 1 · In service since 2015 · For older adults

See all 66 buildings in Yolo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Winters

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Winters

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

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

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

    2411 Alhambra Blvd, Sacramento · 27 miles away · Spanish

    Also serves in other languages.

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

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 27 miles away · Spanish

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

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 30 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (916) 286-8652

All counseling agencies in California

Help in Spanish near Winters

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 Winters

HUD’s record names them for Winters or Yolo County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Yolo Public housing and Section 8 vouchers (530) 662-5428

All housing agencies in California Source: HUD

Cities

Other cities in Yolo County

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

Everything about Yolo County Housing in California

Nearby cities

The cities closest to Winters, with the typical home value.

Neighboring counties

If Yolo 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 Winters.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Winters

Short answers with the numbers for Winters and all of Yolo 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 Winters?

The typical home value in Winters is $633,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yolo County it is $620,700.

How much does it cost to rent in Winters?

Typical rent in Winters is $1,568 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yolo County is $2,135.

What is the FHA loan limit in Winters?

Winters uses the FHA limit for all of Yolo 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 Winters?

The typical homeowner in Winters pays $3,920 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Yolo County, the rate is 0.77%.

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

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