Placerville, California.
Typical home $525,042 (+0.7% in a year), asking rent $2,149 (+0.9%). Sacramento-Roseville-Folsom, CA metro.
to buy the typical home at today's mortgage rate — +$1,188 (+76%) since Jan 2020.
- 1 year
- Up $3,605 +1%
- $521,438$525,042 since Sep 2025
- 5 years
- Up $13,684 +3%
- $511,359$525,042 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.
- Placerville$2,756
- California$3,997
- United States$1,922
Typical home values in Placerville, CA rose 0.7% over the past year — slower than the nation's +1.2%.
Asking rents in Placerville, CA rose 0.9% over the past year — slower than the nation's +2.7%.
Owning the typical home in Placerville runs $1,475/mo more than renting one. The gap peaked at $1,777 in Oct 2023.
That is $3,624 a month against $2,149 rent: a $2,756 mortgage payment, plus $306 property tax and $562 insurance & upkeep.
Owning vs renting — Placerville
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$3,624
- Renting$2,149
- Mortgage only$2,756
Property tax · $306/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for El Dorado County, CA
Insurance & upkeep · $562/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 Placerville, El Dorado County, California
Placerville is a city of 10,747 people in El Dorado County. Half its households earn more than $67,274 a year and half less, against $108,845 across El Dorado County; 16% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% 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 residents work in schools and health care, then professional services.
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. Placerville is a small city whose residents are older than in much of the country, and most homes are lived in by their owners, though renters are a sizable group too. Incomes in town run well below the county's, and a good share of residents live below the poverty line. Winters are cool, with December the coldest month, and summers turn hot, with July the warmest.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services and then restaurants, hotels and entertainment. The largest workplaces in town include Marshall Hospital, Placerville Union Elementary Schools and Raleys. A fair number of people work from home, and a typical commute is a moderate one.
Things to do. In or beside town, the Eddy Arboretum is a botanical garden and the Fountain-Tallman Soda Works is a museum. A short drive away, Marshall Gold Discovery State Historic Park is a protected area. For more room to roam, Folsom Lake is a reservoir a longer drive away.
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- 4,775households
- 23%of adults have a degree
- 16%below the poverty line
- 28 mintypical commute
- 16%work from home
What residents 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 56° and lows near 34°; warmest in July, with highs near 94° and lows near 61°.
Average daily high and low, 1991–2020, at the Placerville weather station, 3 miles away (NOAA).
Largest workplaces in Placerville
- Marshall HospitalGeneral hospital1,076FTE
- Providence Administrative Consulting Services (PACS)Skilled nursing facilities142
- Placerville Union Elementary SchoolsSchool district124FTE
- Western Slope Health CenterSkilled nursing facilities117
- RaleysSupermarkets and other grocery retailers82
- Forest ServiceFederal government · Department of Agriculture59
- PlacervilleMail and parcel delivery52
- Inalliance35
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 507 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts 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
- WildfireRelatively high
- Inland floodingRelatively high
- LandslidesRelatively moderate
- AvalanchesRelatively moderate
- Winter weatherrelatively high in parts of PlacervilleRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Placerville’s census tracts, against the rest of the country; all of them together, relatively 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 El Dorado County and the Sacramento-Roseville-Folsom, CA metro.
Placerville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Placerville$525,042
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 3 Placerville listings, and the typical home goes pending in 35 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.
- Placerville30.71%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Placerville35
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Placerville194
New listings per month
Sellers arriving at the market.
- Placerville43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Placerville$550,902
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Placerville98.65%
Zip codes with a Placerville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Placerville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.