Market Overview
Home Prices in Garden Valley, CA
The median home value in Garden Valley, CA is $494,195 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.6% compared to a year ago and down 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garden Valley are priced21% above average. Garden Valley is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, Garden Valley home values have fallen by approximately0.6%, reflecting softening conditions in this market.
Price History
Garden Valley Home Price Trend
City Comparison
Garden Valley vs. National Median
At $494,195, homes in Garden Valley cost 21% above the national median of $410,000. Buyers in Garden Valley should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Garden Valley?
20% Down Payment
$98,839
on $494,195
Monthly P&I
$2,577/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,273/mo
incl. taxes & insurance
Income Needed
$130,920
gross annual (30% rule)
10% Down Option
$49,420
+ PMI applies
Loan Amount (20% dn)
$395,356
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 Garden Valley, CA?
The median home value in Garden Valley is $494,195 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.6% year-over-year.
How much have home prices changed in Garden Valley?
Over the past year, home values in Garden Valley have decreased by 0.6%. Over five years, prices have fallen approximately 0.6%.
How much do I need to earn to buy a home in Garden Valley?
To comfortably afford the median home price of $494,195 with a 20% down payment ($98,839) at today's rates (6.8%), you'd need a gross annual income of approximately $130,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Garden Valley compare to the national average home price?
The national median home value is approximately $410,000. At $494,195, homes in Garden Valley are 21% above the national average.
What metro area is Garden Valley part of?
Garden Valley is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.