CALCMONEY // HOME AFFORDABILITY // CA // EL DORADO HILLS
How much house can you afford in El Dorado Hills? Based on local median home prices, current CA mortgage rates, and El Dorado Hills property tax data.
$820,000
$5,392/mo
$231,079/yr
$436,850
Monthly housing costs of $5,392 represent 44.6% of El Dorado Hills's median gross monthly income ($12,083/mo). At 44.6%, median-income buyers in El Dorado Hills are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $820,000 |
| Down Payment (20%) | $164,000 |
| Loan Amount | $656,000 |
| Monthly PI Payment | $4,299 |
| Monthly Property Tax | $752 |
| Monthly Insurance Est. | $342 |
| Total Monthly PITI | $5,392 |
| Housing Cost % of Income | 44.6% |
| Required Income (28% rule) | $231,079/yr |
| Max Affordable Home | $436,850 |
$28,700
$6,839/mo
El Dorado Hills Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $820,000 | El Dorado Hills city median |
| Down Payment (20%) | $164,000 | Conventional loan |
| Monthly PITI | $5,392 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $231,079 | Annual gross |
| Max Affordable Home | $436,850 | Based on median income |
| FHA Down (3.5%) | $28,700 | Minimum FHA |
| Housing Cost % of Income | 44.6% | Median income: $145,000/yr |
| Property Tax Rate | 1.1% | $9,020/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in El Dorado Hills is $820,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $656,000, generating a monthly P&I payment of $4,299. Adding property taxes ($752/mo) and homeowners insurance ($342/mo) brings total monthly PITI to $5,392.
El Dorado Hills's property tax rate of 1.1% is near the national average, adding a standard increment to monthly housing costs. On the El Dorado Hills median home, that is $752/month, or $9,020 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in El Dorado Hills should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning El Dorado Hills's median income of $145,000/year can afford up to $3,383/month in total housing costs. Based on El Dorado Hills's mortgage rate of 6.85% and property tax rate of 1.1%, that translates to a maximum affordable home price of approximately $436,850 with 20% down on a 30-year loan.
To afford the median El Dorado Hills home priced at $820,000, you need an annual gross income of approximately $231,079. Total monthly housing costs (principal and interest of $4,299, property taxes of $752, and insurance of $342) come to $5,392/month, which equals 28% of the required income.
At the median home price of $820,000 and median household income of $145,000, the total monthly housing cost of $5,392 represents 44.6% of gross monthly income. This is well above the standard 28% threshold, making El Dorado Hills a challenging market for buyers at median income.
A conventional 20% down payment on the median El Dorado Hills home of $820,000 is $164,000. An FHA loan requires just 3.5% down — $28,700 — but adds mortgage insurance of roughly $561/month, bringing total FHA payments to $6,839/month.
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