Loyalton, California.
Typical home $300,815 (+0.6% in a year).
to buy the typical home at today's mortgage rate — +$839 (+114%) since Jan 2020.
- 1 year
- Up $1,653 +1%
- $299,163$300,815 since Sep 2025
- 5 years
- Up $46,425 +18%
- $254,390$300,815 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.
- Loyalton$1,579
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Loyalton, CA rose 0.6% over the past year — slower than the nation's +1.2%.
Living in Loyalton, Sierra County, California
Loyalton is a city of 740 people in Sierra County. 96% of its homes are lived in by their owners and 4% are rented. Unemployment in Sierra County was 4.4% in August 2026, and the county had 0.5% more jobs in 2025 than the year before.
Written by AI Claude Sonnet 5.5 wrote this on 24 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 It can be wrong or out of date.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. Loyalton is a very small city in Sierra County, in the mountains of eastern California. Nearly everyone here owns the home they live in, far more than in most places, and few residents live below the poverty line. Typical home values are well within reach compared with much of California.
Work. Across Sierra County, the largest workplaces are the Sierra-Plumas Joint Unified school district and the Forest Service. Unemployment across the county is a little lower than it was a year ago, and the number of jobs has edged up slightly.
Things to do. Winters are cold and snowy, with December the coldest month, and summers are warm in July, with moderate rain and melted snow over the year. For time outdoors, Frenchman Lake is a reservoir and Tahoe National Forest is a large protected area, both a longer drive away. Donner Lake, a reservoir, and Sugar Bowl Ski Resort, a ski area, are also a longer drive away for water in summer or snow in winter.
Report a mistake
- 5%below the poverty line
Weather through the year
Coldest in December, with highs near 42° and lows near 19°; warmest in July, with highs near 86° and lows near 45°. About 38 inches of snow and 23 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Portola weather station, 15 miles away (NOAA).
Largest workplaces in Sierra County
- Sierra-Plumas Joint UnifiedSchool district63FTE
- Forest ServiceFederal government · Department of Agriculture32
School districts come from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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
- LightningVery high
- WildfireVery high
- Inland floodingVery high
- Winter weatherVery high
- LandslidesRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Loyalton’s census tracts, against the rest of the country; all of them together, very high. 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 Sierra County.
Loyalton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Loyalton$300,815
- California$761,538
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Loyalton12
Zip codes with a Loyalton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Loyalton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.