Market Overview
Home Prices in Fair Oaks, CA
The median home value in Fair Oaks, CA is $624,146 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.7% compared to a year ago and down 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fair Oaks are priced52% above average. Fair Oaks is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, Fair Oaks home values have risen by approximately6.2%, reflecting steady appreciation in this market.
Price History
Fair Oaks Home Price Trend
City Comparison
Fair Oaks vs. National Median
At $624,146, homes in Fair Oaks cost 52% above the national median of $410,000. Buyers in Fair Oaks should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Fair Oaks?
20% Down Payment
$124,829
on $624,146
Monthly P&I
$3,255/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,134/mo
incl. taxes & insurance
Income Needed
$165,360
gross annual (30% rule)
10% Down Option
$62,415
+ PMI applies
Loan Amount (20% dn)
$499,317
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 Fair Oaks, CA?
The median home value in Fair Oaks is $624,146 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.7% year-over-year.
How much have home prices changed in Fair Oaks?
Over the past year, home values in Fair Oaks have decreased by 0.7%. Over five years, prices have risen approximately 6.2%.
How much do I need to earn to buy a home in Fair Oaks?
To comfortably afford the median home price of $624,146 with a 20% down payment ($124,829) at today's rates (6.8%), you'd need a gross annual income of approximately $165,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Fair Oaks compare to the national average home price?
The national median home value is approximately $410,000. At $624,146, homes in Fair Oaks are 52% above the national average.
What metro area is Fair Oaks part of?
Fair Oaks is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.