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Placerville CDP, CO

ZIP 81430 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81430

Median Home Value
$1,004,000
Median Rent
$1,819
Affordability Snapshot
$276,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,449/mo PITI).

25%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

11.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

46.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81430 in Placerville CDP, CO, a household would need roughly $276,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,449. That is about 216% above the local median household income ($87,273), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.6%+26% vs US avg
x
Vacancy Rate
43.1%+318% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
15.9%-68% vs US avg
x
Mortgage-Free
63.5%+66% vs US avg
x
$1,004,000
Home Value
$1,819
Rent
1994
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached95.0%
  • 1-unit attached0.0%
  • 2-9 units1.3%
  • 10+ units0.0%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,004,000
Median rent$1,819
Owner-occupied82.6%
Vacant43.1%
Price-to-income11.5x
Est. income to buy$276,000