French Camp, CA—95231
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — French Camp, CA
As of Aug '25, the median home price in French Camp, CA is $507,000, with a year-over-year change of -3.6%. This indicates that home prices in French Camp, CA are decreasing. According to Zillow, the 1-year price projection is -1.4%, suggesting a decrease housing market in the next year.
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $387,000 | -4.4% |
3 Bed | $527,000 | -3.7% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
Rental Trends — French Camp, CA
As of Jul '25, the average rent in French Camp, CA is $3,300, with a year-over-year rent change of 65.0%. 3-bedroom units average $3,300 (65.0%)
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,300 | $3,300 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $3,300 | $3,300 |
| 4 Bed Rent | N/A | N/A |
Property Listings — French Camp, CA
As of Aug '25 and according to Realtor.com, the median days on market for a home in French Camp, CA is 32. This is an decrease of -36.0% from last year. This indicates that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%. This is a small percentage of inventory, suggesting little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $525,000 | 17.0% |
Listing Count | 3 | N/A |
| Listings as % of Homes | 0.3% | N/A |
Days on Market | 32 | -36.0% |
Demographics — French Camp, CA
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,340 | -14.8% |
% Under 18 | 16.8% | 1.8% |
| % Under 5 | N/A | N/A |
% Seniors | 10.5% | 25.0% |
% WFH | 8.4% | 211.1% |
% w/ College Degree | 4.7% | -21.7% |
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 28.0% | 15.2% |
% Black | 10.0% | 28.2% |
% Hispanic | 52.2% | -14.7% |
% Asian | 4.3% | 4.9% |
% Foreign Born | 26.6% | -12.5% |
Mortgage and Risk — French Camp, CA
According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in French Camp, CA in that year was 27. 70.0% of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was 68.0%. Of those, 37.0% were >90% loan to value. This is considered very high, suggesting that mortgage risk is large in French Camp, CA. Investor activity in French Camp, CA is low, as 4.0% of all loans are originated by investors. In 2023, 11.0% of all loans were cash-out refinances, suggesting many homeowners are actively tapping their home's equity.
Mortgages
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
Total Loan Originations | 27 | N/A | N/A |
% Conventional Loans | 70.0% | N/A | N/A |
% Government Loans | 30.0% | N/A | N/A |
% Investor Loans | 4.0% | N/A | N/A |
% Second Loans | 0.0% | N/A | N/A |
% Cash Out Refinance | 11.0% | N/A | N/A |
Rentals and Section 8 — French Camp, CA
As of 2024, the percent of homes in French Camp, CA under the Section 8 program is 24.3%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays homeowners more than the average rental market rate for various home sizes. For each bedroom size, the average difference between HUD payments and market rents is shown in the table below.
Section 8 Market Size
Total Units under HUD | 53 |
Total Units Section 8 | 53 |
% Rentals under Section 8 | 24.3% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,390 |
| 2 Bedroom | N/A | N/A | $1,770 |
| 3 Bedroom | -$820 | $3,300 | $2,480 |
| 4 Bedroom | N/A | N/A | $2,970 |
Affordability — French Camp, CA
Home Price to Income Ratio
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
| Home Price to Income Ratio | 6.9 | N/A | N/A |
| Median Home Price | $507,000 | N/A | N/A |
| Median Household Income | $73,300 | N/A | N/A |