El Dorado County, CA Average Home Price (2026)
The average home price in El Dorado County, California is about $518,000 (the 2026 median across 21 ZIP codes, at ~$321/sq ft) — 25% more affordable than the California median and 79% more expensive than the typical U.S. home.
How El Dorado County compares
El Dorado County is relatively expensive for housing nationally: its typical home costs $518,000 against $688,000 for California and $289,000 for the U.S. Within the county, ZIP-level values run from about $310,000 to $906,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| El Dorado County | $518,000 | $321 |
| California | $688,000 | $451 |
| United States | $289,000 | $193 |
El Dorado County home prices by ZIP code
The 15 most valuable ZIP codes in El Dorado County (of 21 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 96142 Tahoma | $906,000 | $699 | +75% |
| 95762 El Dorado Hills | $903,000 | $372 | +74% |
| 95721 Echo Lake | $866,000 | $456 | +67% |
| 95672 Rescue | $818,000 | $382 | +58% |
| 96150 South Lake Tahoe | $667,000 | $488 | +29% |
| 95682 Shingle Springs | $658,000 | $351 | +27% |
| 95664 Pilot Hill | $654,000 | $303 | +26% |
| 95651 Lotus | $598,000 | $281 | +15% |
| 95623 El Dorado | $556,000 | $322 | +7% |
| 95667 Placerville | $524,000 | $321 | +1% |
| 95614 Cool | $518,000 | $280 | +0% |
| 95709 Camino | $501,000 | $282 | -3% |
| 95633 Garden Valley | $473,000 | $306 | -9% |
| 95635 Greenwood | $470,000 | $299 | -9% |
| 95684 Somerset | $452,000 | $336 | -13% |
Home value appreciation in El Dorado County
Home prices in El Dorado County have risen about 70% over the last 10 years (≈5.4% a year) and +34.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.4% — roughly flat. A home worth $518,000 today was worth roughly $305,605 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, California is +80.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for El Dorado County
Run the numbers for El Dorado County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in El Dorado County
To buy the typical $518,000 home in El Dorado County with 20% down, you need a household income of roughly $141,000 a year (about $3,290 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $167,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $25,900 | $4,090/mo | $175,000/yr |
| 10% (+PMI) | $51,800 | $3,910/mo | $167,000/yr |
| 20% | $103,600 | $3,290/mo | $141,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in El Dorado County
At about $321 per square foot, here is roughly how much home different budgets get you in El Dorado County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 780 sq ft | below the local median — condos, smaller or older homes |
| $300k | 930 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1250 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1560 sq ft | around the typical home here |
| $600k | 1870 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to California.
Estimate a specific home in El Dorado County
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El Dorado County home prices: frequently asked
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Browse all California cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.