Market Overview
Home Prices in Loyalton, CA
The median home value in Loyalton, CA is $315,868 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and up 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Loyalton are priced23% below average.
Over the past five years, Loyalton home values have risen by approximately21.9%, reflecting strong long-term appreciation in this market.
Price History
Loyalton Home Price Trend
2020
$208,721
$209K
—
2021
$259,099
$259K
+24.1%
2022
$297,749
$298K
+14.9%
2023
$297,437
$297K
-0.1%
2024
$303,156
$303K
+1.9%
2025
$311,220
$311K
+2.7%
2026
$315,868
$316K
+1.5%
City Comparison
Loyalton vs. National Median
🏠 Loyalton
$315,868
National Median
$410,000
At $315,868, homes in Loyalton cost 23% below the national median of $410,000. This makes Loyalton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Loyalton?
20% Down Payment
$63,174
on $315,868
Monthly P&I
$1,647/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,092/mo
incl. taxes & insurance
Income Needed
$83,680
gross annual (30% rule)
10% Down Option
$31,587
+ PMI applies
Loan Amount (20% dn)
$252,694
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 Loyalton, CA?
The median home value in Loyalton is $315,868 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.5% year-over-year.
How much have home prices changed in Loyalton?
Over the past year, home values in Loyalton have increased by 1.5%. Over five years, prices have risen approximately 21.9%.
How much do I need to earn to buy a home in Loyalton?
To comfortably afford the median home price of $315,868 with a 20% down payment ($63,174) at today's rates (6.8%), you'd need a gross annual income of approximately $83,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Loyalton compare to the national average home price?
The national median home value is approximately $410,000. At $315,868, homes in Loyalton are 23% below the national average.