Market Overview
Home Prices in Mountain Ranch, CA
The median home value in Mountain Ranch, CA is $353,436 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.5% compared to a year ago and down 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mountain Ranch are priced14% below average.
Over the past five years, Mountain Ranch home values have fallen by approximately9.2%, reflecting softening conditions in this market.
Price History
Mountain Ranch Home Price Trend
2020
$315,155
$315K
—
2021
$389,201
$389K
+23.5%
2022
$420,743
$421K
+8.1%
2023
$399,467
$399K
-5.1%
2024
$389,369
$389K
-2.5%
2025
$373,995
$374K
-3.9%
2026
$353,436
$353K
-5.5%
City Comparison
Mountain Ranch vs. National Median
🏠 Mountain Ranch
$353,436
National Median
$410,000
At $353,436, homes in Mountain Ranch cost 14% below the national median of $410,000. This makes Mountain Ranch a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mountain Ranch?
20% Down Payment
$70,687
on $353,436
Monthly P&I
$1,843/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,341/mo
incl. taxes & insurance
Income Needed
$93,640
gross annual (30% rule)
10% Down Option
$35,344
+ PMI applies
Loan Amount (20% dn)
$282,749
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 Mountain Ranch, CA?
The median home value in Mountain Ranch is $353,436 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.5% year-over-year.
How much have home prices changed in Mountain Ranch?
Over the past year, home values in Mountain Ranch have decreased by 5.5%. Over five years, prices have fallen approximately 9.2%.
How much do I need to earn to buy a home in Mountain Ranch?
To comfortably afford the median home price of $353,436 with a 20% down payment ($70,687) at today's rates (6.8%), you'd need a gross annual income of approximately $93,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Mountain Ranch compare to the national average home price?
The national median home value is approximately $410,000. At $353,436, homes in Mountain Ranch are 14% below the national average.