HousingHandbookReference data

U.S. ZIP Code · CA95709

El Dorado County · Sacramento-Roseville-Folsom, CA

Typical home value

$509,882[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-0.1%
5-year / yr
+1.9%
10-year / yr
+4.2%

Relative price

vs U.S.
+79.5%
vs metro
-9.6%
vs state
-27.2%
ZIP 95709 location in CA
Location of ZIP 95709 in CA

Price history

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

The typical home in 95709 is worth $509,882 — 9.6% below the Sacramento-Roseville-Folsom, CA median. Over the past year, values have fallen 0.1%. 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
$3,195[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
6,000[3]
Median household income
$79,780[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
2
Elementary
2
Middle
0
High
0
  • Camino Elementary

    Elementary · Grades K–8 · Camino Union Elementary

    406 students

  • Camino Polytechnic

    Elementary · Grades K–8 · Camino Polytechnic District

    23 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$2,578
Loan principal$407,906
Down payment$101,976
Total interest paid$520,261

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$3,271
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
36th percentile[1]
Rental yield
[2]
Property tax
22nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 95709?
The typical home in 95709 is worth $509,882, based on the Zillow Home Value Index.
Are home values rising in 95709?
Home values in 95709 are down 0.1% over the past year, and up 1.9% a year over five years.
What is the property tax rate in 95709?
The effective property tax rate in 95709 is 0.6% — roughly $3,195 a year on a typical home.
Who lives in 95709?
ZIP code 95709 has a population of 6,000 and a median household income of $79,780.

#Comparable ZIPs

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

  • Citrus Heights, CA

    Typical home
    $511,282
    Gross yield
    4.3%
  • Elverta CDP, CA

    Typical home
    $513,843
    Gross yield
  • Antelope CDP, CA

    Typical home
    $505,361
    Gross yield
    5.5%
  • Colfax, CA

    Typical home
    $504,755
    Gross yield
  • Foresthill CDP, CA

    Typical home
    $501,766
    Gross yield
  • Woodland, CA

    Typical home
    $520,858
    Gross yield
    4.7%

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