Garden Valley, CA—95633
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Garden Valley, CA
As of Oct '25, the median home price in Garden Valley, CA is $474,000, with a year-over-year change of -3.0%. This indicates that home prices in Garden Valley, CA are decreasing. According to Zillow, the 1-year price projection is -1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $474,000 | -3.0% |
| Single Family | $473,000 | -2.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $423,000 | -2.5% |
3 Bed | $495,000 | -2.9% |
4 Bed | $565,000 | -2.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Garden Valley, CA
As of July '25, Rentcast reports the average rent in Garden Valley, CA is $2,620, with a year-over-year rent change of 34.4%. Per bedroom, the median rent as of July '25 in Garden Valley, CA is 2-bedrooms: $2,400, 3-bedrooms: $2,850. The most common rental property sizes in Garden Valley, CA are 2-bedroom and 1-bedroom, accounting for 39.0% and 31.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,400 | $2,620 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,400 | $2,400 |
| 3 Bed Rent | $2,850 | $2,850 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Garden Valley, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Garden Valley, CA is 110. This is a decrease of -1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $479,000 | -14.0% |
Listing Count | 21 | 97.0% |
| Listings as % of Homes | 0.8% | 97.0% |
Days on Market | 110 | -1.0% |
Demographics — Garden Valley, CA
As of the latest ACS Survey released in 2023, Garden Valley, CA has a population of 2,650, which has decreased by -31.2% over the past 5 years. Garden Valley, CA is a moderately popular place for families, as children make up 17.3% of the population. The area has a poorly educated workforce, with 17.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,650 | -31.2% |
% Under 18 | 17.3% | -26.4% |
% Seniors | 24.3% | 50.9% |
% WFH | 6.4% | -48.4% |
% w/ College Degree | 17.6% | -1.1% |
As of the latest ACS Survey released in 2023, Garden Valley, CA is a predominantly white area, with 77.2% of the population identifying as white. The white population has shrunk by 16.7% in the last 5 years. The second most common race or ethnicity in Garden Valley, CA is hispanic, making up 16.4% of the population. Foreign-born residents account for 6.6% of the population in Garden Valley, CA, and this percentage has increased by 69.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 77.2% | -16.7% |
% Black | 0.0% | -100.0% |
% Hispanic | 16.4% | 264.4% |
% Asian | 2.2% | 144.4% |
% Foreign Born | 6.6% | 69.2% |
Mortgage and Risk — Garden Valley, CA
According to HUD data as of 2023, there were 82 mortgage originations in Garden Valley, CA, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Garden Valley, CA. Investor activity is low, as 0.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 82 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Garden Valley, CA
Garden Valley, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 1.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,120 |
| 2 Bedroom | $230 | $2,400 | $2,630 |
| 3 Bedroom | $720 | $2,850 | $3,570 |
| 4 Bedroom | N/A | N/A | $4,120 |
Affordability — Garden Valley, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.8 |
| Median Home Price | $474,000 |
| Median Household Income | $82,500 |