The typical owner-occupied home in Loyalton is worth about $191,800, 74% below the California median of $734,700 and 42% below the national median of $332,700. Owners pay a median $1,538 a year in property taxes, about 0.80% of their home's value, higher than the California rate of 0.70%. The median household earns $65,556 a year, so the median home costs 2.9 times the median income (7.4 times for California). 95% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Loyalton at a glance
| Loyalton | California | U.S. | |
|---|---|---|---|
| Median home value | $191,800 | $734,700 | $332,700 |
| Median property tax paid per year | $1,538 | $5,124 | $3,119 |
| Property tax as a share of value | 0.80% | 0.70% | 0.94% |
| Median household income | $65,556 | $99,122 | $80,734 |
| Homes lived in by their owners | 95% | 56% | 65% |
| Owner homes with a mortgage | 52% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,519 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 17.1% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1960 | 1976 | 1980 |
| Vacant homes | 22.3% | 7.5% | 10.1% |
| Population | 748 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Loyalton
At this week's average 30-year rate of 7.11%, buying the median Loyalton home of $191,800 with 20% down costs about $1,240 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,559, 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 $53,142 for the 20%-down payment. That payment is 23% of the median Loyalton household income of $65,556; at that income and 20% down, the 28% guideline points to a home of about $237,000.
| Down payment | $38,360 |
|---|---|
| Loan amount | $153,440 |
| Principal and interest | $1,032 |
| Property taxes (0.80% a year) | $128 |
| Homeowners insurance (our estimate, 0.5% a year) | $80 |
| PMI | $0 |
| Total per month | $1,240 |
Change the numbers in the calculator
| Down payment | $6,713 |
|---|---|
| Loan amount | $188,326 |
| Principal and interest | $1,267 |
| Property taxes (0.80% a year) | $128 |
| Homeowners insurance (our estimate, 0.5% a year) | $80 |
| FHA mortgage insurance | $85 |
| Total per month | $1,559 |
Change the numbers in the calculator
Questions about home buying in Loyalton
What is the median home value in Loyalton?
About $191,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Loyalton?
Homeowners pay a median $1,538 a year, which is about 0.80% 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 Loyalton?
For the median home with 20% down at 7.11%, the payment is about $1,240 a month. Keeping that under 28% of gross income takes about $53,142 a year.
More about Loyalton
- Mortgage Refinance in Loyalton
- Debt Relief in Loyalton
- Home Equity Loans in Loyalton
- 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