This is a collection of blog posts were we have used interesting infographics that we have made or found from other sources.

With temperatures expected to climb into the triple digits this weekend, many Placer County residents will be looking for ways to escape the heat.

Fortunately, one of the best parts about living in Placer County is that we have no shortage of places to cool off. Whether you prefer spending the day at the lake, relaxing by a river, visiting a waterpark, or simply enjoying some air-conditioned comfort, there are plenty of great options just a short drive away.

If you're planning to get out this weekend, one quick tip: many of these destinations become extremely popular during the first major heat wave of the summer. Arriving early can mean easier parking, smaller crowds, and a much more relaxing experience.

Folsom Lake: A Summer Favorite

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New California Department of Finance data just came out…

…and Placer County had the fastest population growth of any county in the entire state over the past year.

- Placer County grew by 1.4% from 2025 to 2026, ranking #1 in California for population growth.

That’s a pretty significant statistic — especially at a time when many areas across California are seeing slower growth or even population declines.

And honestly…

…it helps explain a lot about why the Placer County housing market has remained so stable.

Why Population Growth Matters for the Placer County Housing Market

Real estate ultimately comes down to supply and demand.

Right now in Placer County:

  • More people are continuing to move here
  • Inventory of homes for…

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Nearly every buyer would prefer a home with updated flooring, fresh paint, remodeled kitchens and bathrooms, and a clean, well-maintained yard.

And rightfully so—homes like that tend to show better, feel better… and often sell for a premium compared to similar homes without those updates.

But there’s another side of the equation that’s just as important.

- The age and condition of the home’s major systems.

Because whether you’re buying or selling, it’s not just about how a home looks today…
…it’s about what it may need over the next few years—and what that means for value, negotiations, and your overall cost of ownership.

Looking at the Full Picture

When evaluating a home, you really need to look at both sides:

  • How updated it…

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As we close out 2025, December’s numbers provide a clear snapshot of where the Placer County housing market stands heading into the new year. While activity slowed seasonally—as it typically does during the holidays—the market remained firmly tilted toward sellers, supported by limited inventory and steady demand.

Below is a breakdown of what stood out last month and what these trends suggest as we move into 2026.

Inventory & Sales Activity

December continued to reflect a seller’s market, even with fewer listings coming to market late in the year.

  • For-sale inventory: Up 13.3% year-over-year, giving buyers more options than last December

  • Month-over-month inventory: Down 23.2%, reflecting the typical holiday slowdown

  • …

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Yesterday, the Federal Reserve lowered its key interest rate by ¼%, just as most people expected. Normally, that kind of move makes borrowing cheaper. But this time, mortgage rates actually went up.

Earlier in the week, mortgage rates had fallen to some of the lowest levels we’ve seen in years. Then, after the Fed’s press conference, they jumped again. This has now happened several times in a row: the Fed announces a rate cut → the market hopes for more → and mortgage rates end up climbing instead.

 

Why Mortgage Rates Rose After a Fed Cut

The Fed doesn’t directly set mortgage rates. Its short-term rate influences things like credit cards and car loans, but mortgage rates move based on what investors expect from the economy.

When…

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Rates at a 10-Month Low

If you’ve been watching the real estate market in Placer County, you know how much mortgage rates can impact affordability.

On May 21st, 2025, the average 30-year fixed mortgage rate was 7.08%. As of September 5th, 2025, that rate has dropped to 6.29% — the lowest we’ve seen in nearly 10 months (Source: Mortgage News Daily).

What Does This Mean for Buyers in Rocklin, Roseville, and Beyond?

This shift may not sound huge on paper, but for homebuyers in Placer County it makes a major difference:

  • 10% Lower Payments: For the same loan amount, today’s monthly payment is roughly 10% lower than it was in May.

  • 10% More Buying Power: Alternatively, buyers can now qualify to borrow about 10% more at the…

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The California Associtaion of Realtors recently released the following infographic to help put into perspective how great the interest rates are right now.

If you bought an $85,000 home in 1980 with 20% down payment and an average interest rate for that decade of 12.7%, your payment would be the approximately the same as it would be for a $200,000 home at today's rates hovering around 3.5%.

Your principal and interest payment for the $85,000 home at 12.5% in the 1980s would be $900. The total cost over 30 years would be $326,000 with $241,000 in total interest paid.

Your principal and interest payment for a $200,000 home at 3.5% today would also be $900. The total cost over 30 years would be $323,000 with $123,000 in total interest paid.

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