The typical owner-occupied home in Hidden Valley Lake is worth about $394,800, 46% below the California median of $734,700 and 19% above the national median of $332,700. Owners pay a median $3,335 a year in property taxes, about 0.84% of their home's value, higher than the California rate of 0.70%. The median household earns $84,152 a year, so the median home costs 4.7 times the median income (7.4 times for California). 88% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Hidden Valley Lake at a glance
| Hidden Valley Lake | California | U.S. | |
|---|---|---|---|
| Median home value | $394,800 | $734,700 | $332,700 |
| Median property tax paid per year | $3,335 | $5,124 | $3,119 |
| Property tax as a share of value | 0.84% | 0.70% | 0.94% |
| Median household income | $84,152 | $99,122 | $80,734 |
| Homes lived in by their owners | 88% | 56% | 65% |
| Owner homes with a mortgage | 68% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,296 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 31.5% | 24.8% | 21.0% |
| Median rent | $2,437 | $2,036 | $1,413 |
| Rent as a share of renters' income | 34.5% | 32.8% | 30.6% |
| Median year homes were built | 1993 | 1976 | 1980 |
| Vacant homes | 11.9% | 7.5% | 10.1% |
| Population | 5,872 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Hidden Valley Lake
At this week's average 30-year rate of 7.11%, buying the median Hidden Valley Lake home of $394,800 with 20% down costs about $2,566 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,223, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $109,952 for the 20%-down payment. That payment is 37% of the median Hidden Valley Lake household income of $84,152; at that income and 20% down, the 28% guideline points to a home of about $302,000.
The median rent here is $2,437 a month, so owning the median home costs about $129 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $78,960 |
|---|---|
| Loan amount | $315,840 |
| Principal and interest | $2,125 |
| Property taxes (0.84% a year) | $276 |
| Homeowners insurance (our estimate, 0.5% a year) | $164 |
| PMI | $0 |
| Total per month | $2,566 |
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| Down payment | $13,818 |
|---|---|
| Loan amount | $387,649 |
| Principal and interest | $2,608 |
| Property taxes (0.84% a year) | $276 |
| Homeowners insurance (our estimate, 0.5% a year) | $164 |
| FHA mortgage insurance | $175 |
| Total per month | $3,223 |
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Questions about home buying in Hidden Valley Lake
What is the median home value in Hidden Valley Lake?
About $394,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hidden Valley Lake?
Homeowners pay a median $3,335 a year, which is about 0.84% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Hidden Valley Lake?
For the median home with 20% down at 7.11%, the payment is about $2,566 a month. Keeping that under 28% of gross income takes about $109,952 a year.
More about Hidden Valley Lake
- Mortgage Refinance in Hidden Valley Lake
- Debt Relief in Hidden Valley Lake
- Home Equity Loans in Hidden Valley Lake
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data