Lincoln, California.
Typical home $640,369 (+1.0% in a year), asking rent $2,897 (+3.0%). Sacramento-Roseville-Folsom, CA metro.
to buy the typical home at today's mortgage rate — +$1,553 (+86%) since Jan 2020.
- 1 year
- Up $6,493 +1%
- $633,877$640,369 since Sep 2025
- 5 years
- Up $23,161 +4%
- $617,209$640,369 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.
- Lincoln$3,361
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 94 years.
Typical home values in Lincoln, CA rose 1.0% over the past year — in step with the nation.
Asking rents in Lincoln, CA rose 3.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in Lincoln runs $1,601/mo more than renting one. The gap peaked at $2,017 in Oct 2022.
That is $4,497 a month against $2,897 rent: a $3,361 mortgage payment, plus $451 property tax and $686 insurance & upkeep.
Owning vs renting — Lincoln
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,497
- Renting$2,897
- Mortgage only$3,361
Property tax · $451/mo 0.84% of value a year — the ACS 2020-2024 median bill over the median home value for Placer County, CA
Insurance & upkeep · $686/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Lincoln, Placer County, California
Lincoln is a city of 49,757 people in Placer County. Half its households earn more than $111,990 a year and half less, against $115,998 across Placer County; 7% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Lincoln was 4.7% in August 2026, and Placer County had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 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. Lincoln is a city in Placer County where nearly everyone owns their home, and a larger share of residents hold a four-year degree than in many towns of its size. Incomes sit a little below the county's, and poverty is relatively uncommon. Winters are cool and mild by national standards, summers run hot, and a fair amount of rain falls over the year.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, retail and government close behind. Among the largest workplaces in town are Western Placer Unified, the City of Lincoln and San Francisco Bay Coffee Company. Commutes are of a moderate length, and a good number of people work from home.
Things to do. All-American Speedway, a race track, is a short drive away. A longer drive brings you to Folsom Lake, a reservoir, and to the Auburn State Recreation Area, a protected area along the American River. The Crocker Art Museum is also a longer drive away, for a day out in the city.
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- 20,078households
- 40%of adults have a degree
- 7%below the poverty line
- 30 mintypical commute
- 22%work from home
What residents work in
Employed residents by industry, from the Census survey. Placer County had 188,212 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 56° and lows near 37°; warmest in July, with highs near 93° and lows near 63°. About 36 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Auburn weather station, 12 miles away (NOAA).
Largest workplaces in Lincoln
- Western Placer UnifiedSchool district751FTE
- City of LincolnCity and town managers' offices353
- San Francisco Bay Coffee CompanyCoffee, blended, manufacturing273
- TargetDiscount department stores194
- SafewaySupermarkets and other grocery stores163
- Lowe's Companies, INCHomecenter143
- John Adams Academy - Lincoln DistrictSchool district128FTE
- Violet HoldingsSkilled nursing facilities112
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 17 workplaces with 20 or more staff, 1,932 people in all. School districts come 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
- Inland floodingrelatively high in parts of LincolnRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lincoln’s census tracts, against the rest of the country; all of them together, relatively low. 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 Placer County and the Sacramento-Roseville-Folsom, CA metro.
Lincoln home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lincoln$640,369
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Lincoln listings, and the typical home goes pending in 24 days — 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.
- Lincoln35.14%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Lincoln24
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lincoln290
New listings per month
Sellers arriving at the market.
- Lincoln92
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Lincoln$618,504
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Lincoln99.63%
Zip codes with a Lincoln address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lincoln — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.