Even on the area’s higher pay, Cedar Flat costs more to live in than 96% of U.S. towns
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Sacramento-Roseville-Folsom, CA metro area ($97K). How TownRatings grades cost of living
The grade measures what housing costs against what households in the area earn. Cedar Flat’s area earns well above the typical U.S. town ($97K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 33% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 65% of renters.
In dollars
- $2,500a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 10.2 yrsof area income buys the typical home; the typical U.S. town: 3.3$97K, Sacramento-area income
- 33%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Cedar Flat
What’s behind Cedar Flat’s grade
Measured against what households in the area earn, Cedar Flat is more affordable than 4% of U.S. towns. Home prices pull the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 35% in 5 years
The federal house price index for the ZIP codes around Cedar Flat rose 35% over the past 5 years, slower than across California (40%). Last year prices fell 5.8%. Carrying the Census median home value forward with that index puts the typical Cedar Flat home at roughly $1,003,000 today.
Carrying the Census median forward with the index puts a typical home at about $1M.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Cedar Flat, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
Too few sales to read the market
Only 6 homes sold in September 2026, the latest month in Redfin’s figures: too few to describe the market or quote a median sale price.
A typical home costs 10.2 years of area income
The calculator starts from the area income the grade uses. Switch to Cedar Flat’s own median, or type yours.
That’s $606K short of a typical Cedar Flat home.
A two-bedroom rents for about $2,500 a month here, $3,220 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Cedar Flat’s typical property tax (0.55% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $2,500
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
High tax bills, but a low tax rate
The median bill is $5,441 (California: $5,124), because homes cost more. As a share of value it’s 0.55% a year, against 0.70% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
Cedar Flat vs. its neighbors
Zillow publishes no value for Cedar Flat. Dollar Point has no Zillow value, so it is in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Cedar Flat | D− | — | $993K | 0.55% | $2,500 |
| Carnelian Bay | – | $1.1M | $910K | 0.63% | $2,520 |
| Dollar Point | D | — | $846K | 0.66% | $2,420 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “—” under Cost: not graded (too little Census data, or under 1,000 residents).
Questions about the cost of living in Cedar Flat
Is Cedar Flat expensive to live in?
Measured against what households in the area earn, Cedar Flat costs more than 96% of U.S. towns: a D− for cost of living. The typical home costs 10.2 years of the median household income of the Sacramento-Roseville-Folsom, CA metro area ($97K).
How much is rent in Cedar Flat?
HUD puts a two-bedroom at about $2,500 a month with utilities, the going rate for someone moving in.
What are property taxes in Cedar Flat?
The median bill is $5,441 a year, 0.55% of the median home value (California: $5,124, 0.70%), from the Census 2020–24.
Neighbors talk housing
What Cedar Flat buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.