Market Overview
Home Prices in Carnelian Bay, CA
The median home value in Carnelian Bay, CA is $1,098,255 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.7% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Carnelian Bay are priced168% above average. Carnelian Bay is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, Carnelian Bay home values have risen by approximately0.5%, reflecting modest growth in this market.
Price History
Carnelian Bay Home Price Trend
City Comparison
Carnelian Bay vs. National Median
At $1,098,255, homes in Carnelian Bay cost 168% above the national median of $410,000. Buyers in Carnelian Bay should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Carnelian Bay?
20% Down Payment
$219,651
on $1,098,255
Monthly P&I
$5,728/mo
30-yr @ 6.8%
Total Monthly Est.
~$7,275/mo
incl. taxes & insurance
Income Needed
$291,000
gross annual (30% rule)
10% Down Option
$109,826
+ PMI applies
Loan Amount (20% dn)
$878,604
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Carnelian Bay, CA?
The median home value in Carnelian Bay is $1,098,255 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.7% year-over-year.
How much have home prices changed in Carnelian Bay?
Over the past year, home values in Carnelian Bay have decreased by 1.7%. Over five years, prices have risen approximately 0.5%.
How much do I need to earn to buy a home in Carnelian Bay?
To comfortably afford the median home price of $1,098,255 with a 20% down payment ($219,651) at today's rates (6.8%), you'd need a gross annual income of approximately $291,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Carnelian Bay compare to the national average home price?
The national median home value is approximately $410,000. At $1,098,255, homes in Carnelian Bay are 168% above the national average.
What metro area is Carnelian Bay part of?
Carnelian Bay is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.