Market Overview
Home Prices in El Dorado, CA
The median home value in El Dorado, CA is $605,828 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in El Dorado are priced48% above average. El Dorado is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, El Dorado home values have risen by approximately3.3%, reflecting modest growth in this market.
Price History
El Dorado Home Price Trend
City Comparison
El Dorado vs. National Median
At $605,828, homes in El Dorado cost 48% above the national median of $410,000. Buyers in El Dorado should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in El Dorado?
20% Down Payment
$121,166
on $605,828
Monthly P&I
$3,160/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,013/mo
incl. taxes & insurance
Income Needed
$160,520
gross annual (30% rule)
10% Down Option
$60,583
+ PMI applies
Loan Amount (20% dn)
$484,662
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 El Dorado, CA?
The median home value in El Dorado is $605,828 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in El Dorado?
Over the past year, home values in El Dorado have increased by 0.3%. Over five years, prices have risen approximately 3.3%.
How much do I need to earn to buy a home in El Dorado?
To comfortably afford the median home price of $605,828 with a 20% down payment ($121,166) at today's rates (6.8%), you'd need a gross annual income of approximately $160,520. This assumes keeping total housing costs at or below 30% of gross income.
How does El Dorado compare to the national average home price?
The national median home value is approximately $410,000. At $605,828, homes in El Dorado are 48% above the national average.
What metro area is El Dorado part of?
El Dorado is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.