Garden Valley, California.
Typical home $473,933 (+0.8% in a year). Sacramento-Roseville-Folsom, CA metro.
to buy the typical home at today's mortgage rate — +$1,014 (+69%) since Jan 2020.
- 1 year
- Up $3,764 +1%
- $470,169$473,933 since Sep 2025
- 5 years
- Down $15,608 -3%
- $489,540$473,933 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Garden Valley$2,488
- California$3,997
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Garden Valley, CA rose 0.8% over the past year — slower than the nation's +1.2%.
Living in Garden Valley, El Dorado County, California
The Census does not count Garden Valley on its own, so the figures here are El Dorado County's. Half the county's households earn more than $108,845 a year and half less; 8% of the county's people live below the poverty line. 77% of the county's homes are lived in by their owners and 23% are rented. Unemployment in El Dorado County was 5.1% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most people in El Dorado County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Garden Valley sits in the Sierra Nevada foothills of El Dorado County, a region shaped by the gold rush that began in the nineteenth century. Across the county, most homes are lived in by their owners, and the typical household income is fairly high. Residents are generally middle-aged or older, and typical home values are on the higher side.
Work. Across El Dorado County, the largest groups of workers are in schools, hospitals and social care, professional and business services, restaurants, hotels and entertainment, and retail shops. Unemployment has eased slightly over the past year, and the number of jobs has grown a little. Commutes are a common part of life, and a notable share of residents work from home.
Things to do. Marshall Gold Discovery State Historic Park, a protected area a short drive away, preserves the site where gold was first found in California in 1848. Eddy Arboretum, a botanical garden also a short drive away, offers a place to walk among plants from many regions. Folsom Lake, a reservoir a longer drive away, is a popular spot for water-based recreation.
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- 76,185households
- 46.1median age
- 40%of adults have a degree
- 8%below the poverty line
- 29 mintypical commute
- 22%work from home
What people in El Dorado County work in
Employed residents by industry, from the Census survey. El Dorado County had 59,203 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 50° and lows near 36°; warmest in July, with highs near 91° and lows near 63°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Georgetown Rs weather station, 6 miles away (NOAA).
Largest workplaces in El Dorado County
- Shingle Springs Tribal Gaming AuthorityCasinos1,273
- Marshall HospitalGeneral hospital1,076FTE
- Broadridge, EDHPrint shops, digital739
- Barton Memorial HospitalGeneral hospital655FTE
- El Dorado Union High SchoolsSchool district581FTE
- CAL FireCal fire512
- Mountain HeavenlyAlpine skiing facilities without accommodations419
- Buckeye Union Elementary SchoolsSchool district410FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 88 workplaces with 20 or more staff, 11,149 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireRelatively high
- AvalanchesRelatively high
- Winter weatherRelatively high
- LandslidesRelatively moderate
- Inland floodingRelatively moderate
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across El Dorado County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on El Dorado County and the Sacramento-Roseville-Folsom, CA metro.
Garden Valley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Garden Valley$473,933
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 4 Garden Valley listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Garden Valley21
New listings per month
Sellers arriving at the market.
- Garden Valley6
Zip codes with a Garden Valley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Garden Valley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.