El Dorado, CA—95623
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — El Dorado, CA
As of Oct '25, the median home price in El Dorado, CA is $552,000, with a year-over-year change of -0.5%. This indicates that home prices in El Dorado, CA are flat. According to Zillow, the 1-year price projection is -0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $552,000 | -0.5% |
| Single Family | $555,000 | -0.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $427,000 | -0.9% |
3 Bed | $552,000 | -0.5% |
4 Bed | $722,000 | -0.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — El Dorado, CA
As of July '25, Rentcast reports the average rent in El Dorado, CA is $2,160, with a year-over-year rent change of -19.7%. Per bedroom, the median rent as of July '25 in El Dorado, CA is 2-bedrooms: $1,900, 3-bedrooms: $2,700. The most common rental property sizes in El Dorado, CA are 3-bedroom and 2-bedroom, accounting for 41.5% and 38.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $2,160 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,900 | $1,900 |
| 3 Bed Rent | $2,700 | $2,700 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — El Dorado, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in El Dorado, CA is 91. This is a increase of 5.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $594,000 | -13.0% |
Listing Count | 20 | -10.0% |
| Listings as % of Homes | 0.4% | -10.0% |
Days on Market | 91 | 5.0% |
Demographics — El Dorado, CA
As of the latest ACS Survey released in 2023, El Dorado, CA has a population of 4,720, which has increased by 26.7% over the past 5 years. El Dorado, CA is a moderately popular place for families, as children make up 16.7% of the population. The area has a moderately educated workforce, with 27.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,720 | 26.7% |
% Under 18 | 16.7% | -5.6% |
% Seniors | 20.8% | 2.5% |
% WFH | 12.2% | 212.8% |
% w/ College Degree | 27.3% | 33.2% |
As of the latest ACS Survey released in 2023, El Dorado, CA is a predominantly white area, with 80.4% of the population identifying as white. The white population has shrunk by 7.6% in the last 5 years. The second most common race or ethnicity in El Dorado, CA is hispanic, making up 13.8% of the population. Foreign-born residents account for 4.5% of the population in El Dorado, CA, and this percentage has decreased by 29.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 80.4% | -7.6% |
% Black | 0.6% | 200.0% |
% Hispanic | 13.8% | 109.1% |
% Asian | 1.0% | -65.5% |
% Foreign Born | 4.5% | -29.7% |
Mortgage and Risk — El Dorado, CA
According to HUD data as of 2023, there were 48 mortgage originations in El Dorado, CA, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in El Dorado, CA. Investor activity is low, as 2.0% of loans were by investors. 2.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 48 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 2.0% |
Loan Activity
Rentals and Section 8 — El Dorado, CA
El Dorado, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 6 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | 2.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,890 |
| 2 Bedroom | $450 | $1,900 | $2,350 |
| 3 Bedroom | $490 | $2,700 | $3,190 |
| 4 Bedroom | N/A | N/A | $3,680 |
Affordability — El Dorado, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.1 |
| Median Home Price | $552,000 |
| Median Household Income | $106,000 |