Placer County, California: What It Costs to Buy a Home
The median home in Placer County is worth $658,800, property taxes on it run about $5,600 a year (0.85%), the FHA loan limit is $764,750, and closing on it means about $725 in transfer tax plus $2,005 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $658,800 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $5,600 a year, 0.85% of value | Property tax page → |
| FHA loan limit (1 unit) | $764,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $725 | California transfer tax page → |
| Title insurance on the median home | $1,830 owner's + $175 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $76 | Recording fees page → |
| Closing costs from these items | $2,806 | Closing costs page → |
| Area median income (HUD, family of 4) | $124,000; low-income limit $105,100 | Income limits page → |
Frequently asked questions
How much do homes cost in Placer County?
The median owner-occupied home in Placer County is valued at $658,800, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Placer County?
The median Placer County homeowner pays $5,600 a year in real estate taxes, about 0.85% of the median home value ($5,917 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Placer County?
$764,750 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Placer County?
On the $658,800 median home: transfer tax $725, title insurance $2,005 for both policies, recording fees about $76, about $2,806 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Placer County?
HUD's FY 2026 median family income for Placer County (Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area) is $124,000. A family of four counts as low income below $105,100 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby California counties
- Napa County $838,800
- Nevada County $602,800
- Orange County $962,600
- Plumas County $327,400
- Riverside County $557,300
- Sacramento County $534,200
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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