Compare Placerville, CA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Placerville.
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October 16, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Placerville. Understand how much you need to earn to afford a home in Placerville, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Placerville fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Placerville is right for you.
The median home value for Placerville, CA (El Dorado County) is $671,228
Based on current mortgage rates and a 10% down payment, you need to make $140,029 per year to buy the median priced home in Placerville
With this income, you could qualify for a $604,105 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Placerville is $3,243
The median household income for Placerville, CA (El Dorado County) is $88,768
Based on this income, you can afford a home valued at approximately $425,511
The home price you can afford to buy based on household income in Placerville is 63% of the median home value which means housing prices are very expensive. Placerville (El Dorado County) ranks 40 out of 58 counties in California and 3,095 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Placerville, CA is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Placerville (El Dorado County) below.
Conforming loan limits for Placerville, CA
FHA loan limits for Placerville, CA