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Featured local agent — Emerald Lake Hills, CA
Sarah Mitchell
Compass Real Estate · Emerald Lake Hills, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Emerald Lake Hills, CA Housing Market
The typical home in Emerald Lake Hills, CA is worth $2.91M, rose 3.1% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $3.98M, +20.2% year over year (through May 2026). With 3.3 months of supply and homes going under contract in about 12 days, Emerald Lake Hills is a strong seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $2.91M home is about $14,940/mo in principal and interest.
Key numbers for Emerald Lake Hills, CA
Typical home value
$2.91M
+3.1% in 12 months
Zillow, July 2026
Median sale price
$3.98M
+20.2% year over year
Redfin, through May 2026
Days on market
12
Fast-moving
Redfin, through May 2026
Active listings
13
3.3 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$250,001
Home costs 11.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
103.5%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Emerald Lake Hills a buyer's or seller's market?
Emerald Lake Hills, CA is a strong seller's market, based on 3.3 months of supply and homes selling in about 12 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Emerald Lake Hills housing market data show?
Every row below is Redfin's final published month for Emerald Lake Hills, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $3.98M |
| Median list price | $3.34M |
| Year-over-year price change | +20.2% |
| Median price per sq ft | $1,276/sq ft |
| Median days on market | 12 days |
| Active inventory | 13 listings |
| Months of supply | 3.3 months |
| Sale-to-list price ratio | 103.5% |
| Homes sold (that month) | 4 |
| New listings (that month) | 10 |
| Market condition | Strong seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Emerald Lake Hills is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Emerald Lake Hills is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Emerald Lake Hills home prices moved?
Over the last three years the median sale price in Emerald Lake Hills, CA rose 106.0%, from $1.93M to $3.98M. The live Zillow value series has rose 3.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 3.3 months while the sale-to-list ratio slips below its current 103.5%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Emerald Lake Hills?
Priced off the typical home value of $2.91M at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $581,217 | $2.32M | $14,940/mo |
| 5% | $145,304 | $2.76M | $17,742/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $14,940, that implies roughly $640,295 a year before you add taxes and insurance. The median household in Emerald Lake Hills earns $250,001, about $390,294 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 11.6x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Emerald Lake Hills in the next 12 months?
Tell us your timeline. We send the Emerald Lake Hills market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Emerald Lake Hills?
Zillow does not publish a rent index (ZORI) for Emerald Lake Hills, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Emerald Lake Hills?
Active listings in Emerald Lake Hills, CA went from 7 in March 2025 to 13 in May 2026, a +85.7% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| April 2025 | 12 | 9 |
| May 2025 | 13 | 7 |
| June 2025 | 12 | 6 |
| July 2025 | 9 | 3 |
| August 2025 | 9 | 4 |
| September 2025 | 4 | 8 |
| October 2025 | 4 | 5 |
| January 2026 | 4 | 5 |
| February 2026 | 6 | 4 |
| March 2026 | 7 | 6 |
| April 2026 | 8 | 7 |
| May 2026 | 13 | 10 |
Redfin, through May 2026
How does Emerald Lake Hills compare to California and the U.S.?
Emerald Lake Hills homes sell for $3.98M — 348% above the California median of $887,400. Against the national median of $410,700, Emerald Lake Hills runs 868% higher. Year-over-year, Emerald Lake Hills moved +20.2% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Emerald Lake Hills, CA | $3.98M | +20.2% | 12 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Emerald Lake Hills
What buyers should watch
- Months of supply, currently 3.3. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $2,801 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $2.91M home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Emerald Lake Hills listing goes under contract in 12 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 103.5% of asking. Price at the number you want and let competition do the rest.
- In the last published month Emerald Lake Hills added 10 new listings against 4 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +3.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Emerald Lake Hills varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Emerald Lake Hills
There are currently 13 homes listed for sale in Emerald Lake Hills, California. The median listing price is $3.3M.
Active listings
13
Homes on market
Median list price
$3.3M
Avg. days on market
12
Days until sale
New this week
10
Newly listed
How much do homes cost in Emerald Lake Hills by property type?
How the Emerald Lake Hills, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $3.98M | $1,276/sq ft | 4 | 12 days |
Who lives in Emerald Lake Hills?
American Community Survey estimates for Emerald Lake Hills. U.S. Census ACS, 2023
Population
4,396
Households
1,599
Median income
$250,001/yr
Median age
45.8 years
Owner-occupied
92.2%
Median home value
$2.00M
Median gross rent
$3,501/mo
Mean commute
26.4 min
92.2% of occupied homes in Emerald Lake Hills are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $2.00M against Zillow's $2.91M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Emerald Lake Hills, CA?
Ordered by distance from Emerald Lake Hills, not by size. Compare Emerald Lake Hills side by side with any of them.
Emerald Lake Hills housing market FAQ
Is Emerald Lake Hills a buyer's or seller's market?
Emerald Lake Hills, CA is currently a strong seller's market. That read comes from 3.3 months of supply, homes going under contract in about 12 days, and sellers getting 103.5% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Emerald Lake Hills?
The typical home in Emerald Lake Hills, CA is worth $2.91M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $3.98M, about $1,276 per square foot.
Is Emerald Lake Hills cheaper than the rest of California?
Emerald Lake Hills's median sale price of $3.98M is 348% higher than the California statewide median of $887,400, and 868% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Emerald Lake Hills?
Homes in Emerald Lake Hills, CA spent a median of 12 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Emerald Lake Hills?
At the current 30-year fixed rate of 6.66%, 20% down on a $2.91M home is about $14,940 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $640,295 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $250,001.
Are home prices rising in Emerald Lake Hills?
The typical home value in Emerald Lake Hills, CA rose 3.1% over the last 12 months, from $2.82M to $2.91M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Emerald Lake Hills?
Emerald Lake Hills ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Emerald Lake Hills?
That depends on your timeline, not on a headline. What the data says today: Emerald Lake Hills, CA is a strong seller's market with 3.3 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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