HousingHandbookReference data

U.S. ZIP Code · CA95684

El Dorado County · Sacramento-Roseville-Folsom, CA

Typical home value

$460,987[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-3.6%
5-year / yr
+0.8%
10-year / yr
+3.6%

Relative price

vs U.S.
+62.3%
vs metro
-18.3%
vs state
-34.2%
ZIP 95684 location in CA
Location of ZIP 95684 in CA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95684 is worth $460,987 — 18.3% below the Sacramento-Roseville-Folsom, CA median. Over the past year, values have fallen 3.6%. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.6%[3]
Typical annual tax
$2,558[3]

#Climate risk

FEMA National Risk Index ratings for El Dorado County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Relatively High
Drought
Relatively Moderate
Heat wave
Relatively Low
Hurricane
Not Applicable
Tornado
Very Low
Earthquake
Relatively Moderate
Winter weather
Relatively High

#Who lives here

Population
2,708[3]
Median household income
$87,175[3]

#Migration

Household moves in and out of El Dorado County over a year, from IRS tax-return data.

Net migration
-319[5]
Moved in
5,558
Moved out
5,877

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
2
Middle
1
High
0
  • Pioneer Elementary

    Elementary · Grades K–5 · Pioneer Union

    198 students

  • Mountain Creek Middle

    Middle · Grades 6–8 · Pioneer Union

    77 students

  • Indian Diggings Elementary

    Elementary · Grades K–8 · Indian Diggings Elementary

    8 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,331
Loan principal$368,790
Down payment$92,197
Total interest paid$470,371

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,926
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
13th percentile[1]
Rental yield
[2]
Property tax
8th percentile[3]

Frequently asked

How much is a home worth in ZIP code 95684?
The typical home in 95684 is worth $460,987, based on the Zillow Home Value Index.
Are home values rising in 95684?
Home values in 95684 are down 3.6% over the past year, and up 0.8% a year over five years.
What is the property tax rate in 95684?
The effective property tax rate in 95684 is 0.6% — roughly $2,558 a year on a typical home.
Who lives in 95684?
ZIP code 95684 has a population of 2,708 and a median household income of $87,175.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Sacramento, CA

    Typical home
    $458,931
    Gross yield
    5.7%
  • Dunnigan CDP, CA

    Typical home
    $456,227
    Gross yield
  • Florin CDP, CA

    Typical home
    $456,125
    Gross yield
    6.2%
  • Rio Linda CDP, CA

    Typical home
    $453,109
    Gross yield
  • Alta CDP, CA

    Typical home
    $469,358
    Gross yield
  • Citrus Heights, CA

    Typical home
    $452,371
    Gross yield
    4.9%

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