Sutter, CA—95982
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sutter, CA
As of Oct '25, the median home price in Sutter, CA is $408,000, with a year-over-year change of -0.6%. This indicates that home prices in Sutter, CA are flat. According to Zillow, the 1-year price projection is -0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $408,000 | -0.6% |
| Single Family | $407,000 | -0.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $298,000 | 1.0% |
3 Bed | $409,000 | -0.5% |
4 Bed | $644,000 | -0.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Sutter, CA
As of July '25, Rentcast reports the average rent in Sutter, CA is $1,950, with a year-over-year rent change of -2.0%. Per bedroom, the median rent as of July '25 in Sutter, CA is 2-bedrooms: $1,950. The most common rental property sizes in Sutter, CA are 3-bedroom and 2-bedroom, accounting for 46.6% and 31.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,950 | $1,950 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,950 | $1,950 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Sutter, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Sutter, CA is 43. This is a increase of 14.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $477,000 | -41.0% |
Listing Count | 8 | 0.0% |
| Listings as % of Homes | 0.9% | 0.0% |
Days on Market | 43 | 14.0% |
Demographics — Sutter, CA
As of the latest ACS Survey released in 2023, Sutter, CA has a population of 2,970, which has decreased by -8.0% over the past 5 years. Sutter, CA is a moderately popular place for families, as children make up 22.2% of the population. The area has a poorly educated workforce, with 22.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,970 | -8.0% |
% Under 18 | 22.2% | -17.2% |
% Seniors | 17.8% | 54.8% |
% WFH | 5.2% | 79.3% |
% w/ College Degree | 22.3% | 26.0% |
As of the latest ACS Survey released in 2023, Sutter, CA is a predominantly white area, with 71.4% of the population identifying as white. The white population has shrunk by 6.8% in the last 5 years. The second most common race or ethnicity in Sutter, CA is hispanic, making up 17.5% of the population. Foreign-born residents account for 2.7% of the population in Sutter, CA, and this percentage has decreased by 28.9% 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 | 71.4% | -6.8% |
% Black | 0.0% | N/A |
% Hispanic | 17.5% | 20.7% |
% Asian | 4.3% | ∞% |
% Foreign Born | 2.7% | -28.9% |
Mortgage and Risk — Sutter, CA
According to HUD data as of 2023, there were 40 mortgage originations in Sutter, CA, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 52.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Sutter, CA. Investor activity is low, as 5.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 40 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% Investor Loans | 5.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Sutter, CA
Sutter, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 3.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,210 |
| 2 Bedroom | -$410 | $1,950 | $1,540 |
| 3 Bedroom | N/A | N/A | $2,160 |
| 4 Bedroom | N/A | N/A | $2,590 |
Affordability — Sutter, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $408,000 |
| Median Household Income | $96,800 |