Sutter Creek, California.
Typical home $465,391 (-1.3% in a year).
to buy the typical home at today's mortgage rate — +$1,002 (+70%) since Jan 2020.
- 1 year
- Down $6,133 -1%
- $471,524$465,391 since Sep 2025
- 5 years
- Down $12,990 -3%
- $478,381$465,391 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.
- Sutter Creek$2,443
- California$3,997
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Sutter Creek, CA fell 1.3% over the past year — slower than the nation's +1.2%.
Living in Sutter Creek, Amador County, California
Sutter Creek is a city of 2,646 people in Amador County. Half its households earn more than $88,478 a year and half less, against $88,044 across Amador County; 7% of its people live below the poverty line. Unemployment in Amador County was 5.8% in August 2026, and the county had 2.4% fewer jobs in 2025 than the year before. The most people in Amador County work in schools and health care, then restaurants and hotels.
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 It can be wrong or out of date.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. Sutter Creek is a small city in Amador County, with household incomes a little above the county's and a typical home value that reflects the pull of the Sierra foothills. Winters are cool but mild compared with much of the country, with January the coldest month and frost on the coldest nights, and summers turn hot in July. Rain and melted snow fall through the year in a moderate amount.
Work. Many residents work in schools, hospitals and social care, and in restaurants, hotels and entertainment, with others in professional and business services or in shops. Some work from home. Across Amador County, the largest workplaces include Mule Creek State Prison, Jackson Rancheria Casino Resort and Sutter Amador Hospital. Unemployment in the county has eased a little compared with a year ago, though there are fewer jobs across the county than the year before.
Things to do. Indian Grinding Rock State Historic Park, an archaeological site, lies in or beside town. A short drive away are Mount Zion State Forest, a protected area, and Lake Amador, a lake. For a longer outing, California Caverns is a tourist attraction a longer drive away.
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- 1,218households
- 7%below the poverty line
- 8%work from home
What people in Amador County work in
Employed residents by industry, from the Census survey. Amador County had 12,197 jobs in 2025, 2.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 55° and lows near 39°; warmest in July, with highs near 93° and lows near 63°. About 32 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Sutter Hill Cdf weather station, a mile away (NOAA).
Largest workplaces in Amador County
- CDC Mule Creek State PrisonCorrectional institutions1,634
- Jackson Rancheria Casino ResortCasino hotels744
- Amador County UnifiedSchool district463FTE
- Harrah's Northern CaliforniaCasinos318
- Sutter Amador HospitalGeneral hospital307FTE
- MP Associates218
- WalmartDiscount department stores196
- Lowe's Companies, INCHomecenter139
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 17 workplaces with 20 or more staff, 4,436 people in all across the county; Sutter Creek has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- DroughtVery high
- WildfireVery high
- Inland floodingVery high
- Winter weatherVery high
- Heat wavesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Sutter Creek’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 Amador County.
Sutter Creek home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Sutter Creek$465,391
- 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 Sutter Creek 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.
- Sutter Creek29.46%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Sutter Creek26
New listings per month
Sellers arriving at the market.
- Sutter Creek6
Zip codes with a Sutter Creek address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Sutter Creek — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.