Market Overview
Home Prices in Somerset, CA
The median home value in Somerset, CA is $479,338 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.3% compared to a year ago and down 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Somerset are priced17% above average. Somerset is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, Somerset home values have fallen by approximately0.2%, reflecting softening conditions in this market.
Price History
Somerset Home Price Trend
City Comparison
Somerset vs. National Median
At $479,338, homes in Somerset cost 17% above the national median of $410,000. Buyers in Somerset should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Somerset?
20% Down Payment
$95,868
on $479,338
Monthly P&I
$2,500/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,175/mo
incl. taxes & insurance
Income Needed
$127,000
gross annual (30% rule)
10% Down Option
$47,934
+ PMI applies
Loan Amount (20% dn)
$383,470
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 Somerset, CA?
The median home value in Somerset is $479,338 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.3% year-over-year.
How much have home prices changed in Somerset?
Over the past year, home values in Somerset have decreased by 2.3%. Over five years, prices have fallen approximately 0.2%.
How much do I need to earn to buy a home in Somerset?
To comfortably afford the median home price of $479,338 with a 20% down payment ($95,868) at today's rates (6.8%), you'd need a gross annual income of approximately $127,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Somerset compare to the national average home price?
The national median home value is approximately $410,000. At $479,338, homes in Somerset are 17% above the national average.
What metro area is Somerset part of?
Somerset is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.