Market Overview
Home Prices in McCloud, CA
The median home value in McCloud, CA is $294,070 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 11.4% 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 McCloud are priced28% below average.
Over the past five years, McCloud home values have fallen by approximately7.5%, reflecting softening conditions in this market.
Price History
McCloud Home Price Trend
2020
$246,031
$246K
—
2021
$317,934
$318K
+29.2%
2022
$365,428
$365K
+14.9%
2023
$364,102
$364K
-0.4%
2024
$335,397
$335K
-7.9%
2025
$331,797
$332K
-1.1%
2026
$294,070
$294K
-11.4%
City Comparison
McCloud vs. National Median
🏠 McCloud
$294,070
National Median
$410,000
At $294,070, homes in McCloud cost 28% below the national median of $410,000. This makes McCloud a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in McCloud?
20% Down Payment
$58,814
on $294,070
Monthly P&I
$1,534/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,948/mo
incl. taxes & insurance
Income Needed
$77,920
gross annual (30% rule)
10% Down Option
$29,407
+ PMI applies
Loan Amount (20% dn)
$235,256
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 McCloud, CA?
The median home value in McCloud is $294,070 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 11.4% year-over-year.
How much have home prices changed in McCloud?
Over the past year, home values in McCloud have decreased by 11.4%. Over five years, prices have fallen approximately 7.5%.
How much do I need to earn to buy a home in McCloud?
To comfortably afford the median home price of $294,070 with a 20% down payment ($58,814) at today's rates (6.8%), you'd need a gross annual income of approximately $77,920. This assumes keeping total housing costs at or below 30% of gross income.
How does McCloud compare to the national average home price?
The national median home value is approximately $410,000. At $294,070, homes in McCloud are 28% below the national average.