The typical owner-occupied home in Potter Valley is worth about $635,900, 13% below the California median of $734,700 and 91% above the national median of $332,700. The median household earns $121,071 a year, so the median home costs 5.3 times the median income (7.4 times for California). 68% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Potter Valley at a glance
| Potter Valley | California | U.S. | |
|---|---|---|---|
| Median home value | $635,900 | $734,700 | $332,700 |
| Median property tax paid per year | – | $5,124 | $3,119 |
| Median household income | $121,071 | $99,122 | $80,734 |
| Homes lived in by their owners | 68% | 56% | 65% |
| Owner homes with a mortgage | 56% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 29.8% | 24.8% | 21.0% |
| Median rent | $1,629 | $2,036 | $1,413 |
| Rent as a share of renters' income | 47.1% | 32.8% | 30.6% |
| Median year homes were built | 1975 | 1976 | 1980 |
| Vacant homes | 13.8% | 7.5% | 10.1% |
| Population | 436 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Potter Valley
At this week's average 30-year rate of 7.11%, buying the median Potter Valley home of $635,900 with 20% down costs about $4,270 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,329, 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 $183,003 for the 20%-down payment. That payment is 42% of the median Potter Valley household income of $121,071; at that income and 20% down, the 28% guideline points to a home of about $421,000.
The median rent here is $1,629 a month, so owning the median home costs about $2,641 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $127,180 |
|---|---|
| Loan amount | $508,720 |
| Principal and interest | $3,422 |
| Property taxes (1.10% a year) | $583 |
| Homeowners insurance (our estimate, 0.5% a year) | $265 |
| PMI | $0 |
| Total per month | $4,270 |
Change the numbers in the calculator
| Down payment | $22,256 |
|---|---|
| Loan amount | $624,382 |
| Principal and interest | $4,200 |
| Property taxes (1.10% a year) | $583 |
| Homeowners insurance (our estimate, 0.5% a year) | $265 |
| FHA mortgage insurance | $281 |
| Total per month | $5,329 |
Change the numbers in the calculator
Questions about home buying in Potter Valley
What is the median home value in Potter Valley?
About $635,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Potter Valley?
For the median home with 20% down at 7.11%, the payment is about $4,270 a month. Keeping that under 28% of gross income takes about $183,003 a year.
More about Potter Valley
- Mortgage Refinance in Potter Valley
- Debt Relief in Potter Valley
- Home Equity Loans in Potter Valley
- 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