The True Cost of Homeownership in Placer County

When buying a home, most people focus on the purchase price and mortgage payment—but there are additional costs that can significantly impact your monthly budget. Before making an offer, it’s important to research these key expenses so you’re not caught off guard after closing. Here’s what you need to know:

1. Property Taxes & Mello-Roos Assessments

In addition to base property taxes, some homes in Placer County have Mello-Roos assessments, which fund public infrastructure and services. These fees can add hundreds (or even thousands) of dollars annually to your tax bill.

How to research your property taxes:

  • Use the Placer County Property Tax Search tool: Placer County Tax Lookup

  • …

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If you're thinking about selling your home in the Sacramento region, timing is everything! New data from local appraiser Ryan Lundquist (@SacAppraiser) reveals that most home listings hit the market on Thursdays and Fridays—but if you want to maximize your exposure to buyers, Wednesday or Thursday might be your best bet.

Why List on Wednesday or Thursday?

  • Early Exposure Before the Weekend: Most buyers tour homes on the weekends, and by listing midweek, you ensure your property is on their radar before they finalize plans.

  • Out-of-Town Buyers: Many buyers traveling from the Bay Area or out of town plan trips in advance—listing earlier gives them time to add your home to their weekend itinerary.

  • More Showings, More Offers: A…

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The latest Placer County housing market data is in, and while closed sales are down, there’s an interesting shift happening that could signal more activity ahead.

 

Inventory is Up – The number of homes for sale increased 49% year-over-year and 10.4% from last month, giving buyers more choices.

Closed Sales Are Down – Home sales dropped 5.5% from last year and 33.2% from last month, reflecting a seasonal slowdown in new contracts in December.

Pending Sales Are Way Up – Despite fewer closed sales, pending sales jumped significantly at the end of January, showing that more homes are going under contract and the 2025 has started off strong.

Pricing Trends – The median sold price increased by 2% from last month, but the average sold price…

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While many parts of California have seen population declines in recent years, Placer County continues to grow. More people are choosing to relocate here, fueling demand for housing and strengthening our local real estate market. But where are they coming from, and what does this mean for buyers and sellers? Let’s take a closer look.

Placer County’s Population Growth (2020-2024)

Between 2020 and 2024, Placer County’s population grew by approximately 8,100 residents, which equates to an annual growth rate of 0.5%. This growth was largely concentrated in the county’s incorporated cities—Roseville, Rocklin, and Lincoln—which collectively grew by 10,052 residents (0.9% annual growth). Meanwhile, unincorporated areas saw a slight decline of about 1,947…

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The devastating fires in Los Angeles serve as a powerful reminder of how quickly disasters can strike. While our thoughts are with those affected, it’s important to remember that some areas of Placer County face similarly high fire risks.

In fact, an increasing number of homes in our area are now relying on the California FAIR Plan for fire insurance coverage due to the growing challenges of obtaining traditional policies. If you’re unsure about your current coverage or need help navigating your options, here are a few key tips:

Is Your Home Properly Insured?

  • Does your policy cover the full cost of rebuilding in today’s market?
  • Are your belongings and temporary living expenses included if evacuation or loss occurs?
  • Does your plan meet…

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Election Day is here, and it’s natural to wonder how the results might affect the real estate market. Whether you’re considering buying, selling, or just curious, the question often arises: does an election really impact home prices?

Historically, the answer has shown a consistent trend. My friend Ryan Lundquist over at the Sacramento Appraisal Blog has shared a fantastic visual that illustrates what’s been happening in the Sacramento market since 1975. The green sections indicate election periods, with white periods showing what followed. The trend is clear—whatever the market was doing before the election usually continued afterward. If prices were rising before an election, they generally kept rising; if prices were dipping, that trend tended to…

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 Welcome to our monthly Placer County real estate update! In this post, we'll delve into the latest statistics and market trends for May. Whether you're a buyer, seller, or real estate enthusiast, this update will provide valuable insights into the current state of the market.

Key Highlights:

  • 42% Increase in Listings: May saw a significant uptick in the number of homes for sale compared to the previous year.
  • Faster Sales: Homes are selling at a quicker pace, with an average of 28 days on the market.
  • Stable Prices: Despite the increase in listings, the average price per square foot has remained steady at $341.
  • Inventory Levels: Currently standing at 1.7 months, the inventory favors sellers but is showing signs of softening for buyers.
…

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Why Consider an Assumable Loan?

 Current interest rates are hovering somewhere around 7%. By assuming an existing loan, you may be able to find a rate closer to 3-3.5%! This can significantly reduce your monthly payments and overall interest paid over the life of the loan. 

So what is the catch? 

  1. Owner-Occupant Requirement: Most assumable loans are government-backed FHA or VA loans that require the buyer to be an owner-occupant. Unfortunately, this means investors are not eligible in most cases.
  2. Significant Down Payment: You’ll need to cover the difference between the home’s purchase price and the existing loan balance. This typically requires a down payment of at least $75,000 to $100,000 or much more if the home has been owned for many…

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Are you keeping tabs on the pulse of the Placer County real estate market? If you're a buyer, seller, or simply an enthusiast of housing trends, buckle up for a concise yet comprehensive update on what's been happening in our local market.

January brought forth some intriguing shifts in the landscape. Let's dive into the numbers:

  1. New Listings: We witnessed a modest increase of 2.2% in new listings compared to the previous year. While this might seem like a positive sign, it's essential to note that we're still contending with a significant 23% shortage compared to last year's inventory levels.

  2. Sales Activity: On the brighter side, both pending and closed sales showed promising growth. Pending sales surged by 4.4%, indicating a healthy…

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Picture this: Nestled in the heart of Placer County, where rolling hills meet pristine fairways and luxury living becomes a daily reality. If you're considering a move from the hustle and bustle of San Francisco or the tech-centric streets of San Jose to a tranquil haven, Placer County might just be your slice of paradise. As you embark on this exciting journey, let us guide you through five exceptional golf course communities, each with its own unique charm and benefits.

  1. Whitney Oaks Golf Club - Rocklin, CA: Stats: 18-hole championship course, 6,800 yards, designed by Johnny Miller and Fred Bliss.

    Nestled in the thriving city of Rocklin, Whitney Oaks Golf Club offers more than just a challenging course – it's a lifestyle. With a welcoming…

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