Market Overview
Home Prices in Sutter Creek, CA
The median home value in Sutter Creek, CA is $476,359 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.6% compared to a year ago and down 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sutter Creek are priced16% above average.
Over the past five years, Sutter Creek home values have fallen by approximately0.3%, reflecting softening conditions in this market.
Price History
Sutter Creek Home Price Trend
2020
$406,757
$407K
—
2021
$477,663
$478K
+17.4%
2022
$530,235
$530K
+11.0%
2023
$503,803
$504K
-5.0%
2024
$502,895
$503K
-0.2%
2025
$488,957
$489K
-2.8%
2026
$476,359
$476K
-2.6%
City Comparison
Sutter Creek vs. National Median
🏠 Sutter Creek
$476,359
National Median
$410,000
At $476,359, homes in Sutter Creek cost 16% above the national median of $410,000. Buyers in Sutter Creek should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Sutter Creek?
20% Down Payment
$95,272
on $476,359
Monthly P&I
$2,484/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,155/mo
incl. taxes & insurance
Income Needed
$126,200
gross annual (30% rule)
10% Down Option
$47,636
+ PMI applies
Loan Amount (20% dn)
$381,087
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 Sutter Creek, CA?
The median home value in Sutter Creek is $476,359 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.6% year-over-year.
How much have home prices changed in Sutter Creek?
Over the past year, home values in Sutter Creek have decreased by 2.6%. Over five years, prices have fallen approximately 0.3%.
How much do I need to earn to buy a home in Sutter Creek?
To comfortably afford the median home price of $476,359 with a 20% down payment ($95,272) at today's rates (6.8%), you'd need a gross annual income of approximately $126,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Sutter Creek compare to the national average home price?
The national median home value is approximately $410,000. At $476,359, homes in Sutter Creek are 16% above the national average.