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Featured local agent — Scotia, CA
Sarah Mitchell
Compass Real Estate · Scotia, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Scotia, CA Housing Market
The last median sale price Redfin published was $312,000, +6.7% year over year (through May 2026). With 5.0 months of supply and homes going under contract in about 606 days, Scotia is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $312,000 home is about $1,604/mo in principal and interest.
Key numbers for Scotia, CA
Median sale price
$312,000
+6.7% year over year
Redfin, through April 2026
Days on market
606
Slow-moving
Redfin, through April 2026
Active listings
5
5.0 months of supply
Redfin, through April 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$77,500
Home costs 4.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through April 2026
Zillow figures 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 Scotia a buyer's or seller's market?
Scotia, CA is a leaning buyer's, based on 5.0 months of supply and homes selling in about 606 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Scotia housing market data show?
Every row below is Redfin's final published month for Scotia, CA. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $312,000 |
| Median list price | $389,900 |
| Year-over-year price change | +6.7% |
| Median price per sq ft | $210/sq ft |
| Median days on market | 606 days |
| Active inventory | 5 listings |
| Months of supply | 5.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Leaning buyer's |
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 Scotia is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Scotia 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 Scotia home prices moved?
Over the last three years the median sale price in Scotia, CA rose 28.9%, from $242,000 to $312,000. For prices to fall meaningfully from here, supply would have to keep building past 5.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Scotia?
Priced off the median sale price of $312,000 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% | $62,400 | $249,600 | $1,604/mo |
| 5% | $15,600 | $296,400 | $1,905/mo |
Redfin, through April 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 $1,604, that implies roughly $68,743 a year before you add taxes and insurance. The median household in Scotia earns $77,500, about $8,757 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 4.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Scotia in the next 12 months?
Tell us your timeline. We send the Scotia 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 Scotia?
Zillow does not publish a rent index (ZORI) for Scotia, 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 Scotia?
Active listings in Scotia, CA went from 5 in August 2024 to 5 in April 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| September 2024 | 6 | 3 |
| October 2024 | 5 | not published |
| December 2024 | 5 | not published |
| March 2025 | 6 | 1 |
| April 2025 | 7 | 1 |
| May 2025 | 7 | 1 |
| August 2025 | 9 | 2 |
| October 2025 | 8 | 2 |
| November 2025 | 5 | not published |
| December 2025 | 5 | 1 |
| March 2026 | 4 | not published |
| April 2026 | 5 | 1 |
Redfin, through April 2026
How does Scotia compare to California and the U.S.?
Scotia homes sell for $312,000 — 65% below the California median of $887,400. Against the national median of $410,700, Scotia runs 24% lower. Year-over-year, Scotia moved +6.7% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Scotia, CA | $312,000 | +6.7% | 606 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Scotia
What buyers should watch
- Months of supply, currently 5.0. 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 $301 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 $312,000 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 Scotia listing goes under contract in 606 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 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Scotia added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Scotia varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Scotia
There are currently 5 homes listed for sale in Scotia, California. The median listing price is $390K.
Active listings
5
Homes on market
Median list price
$390K
Avg. days on market
606
Days until sale
New this week
1
Newly listed
How much do homes cost in Scotia by property type?
How the Scotia, CA market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $312,000 | $210/sq ft | 1 | 606 days |
Who lives in Scotia?
American Community Survey estimates for Scotia. U.S. Census ACS, 2023
Population
565
Households
208
Median income
$77,500/yr
Median age
32 years
Owner-occupied
38.9%
Median home value
$327,700
Median gross rent
$1,206/mo
Mean commute
24.5 min
38.9% of occupied homes in Scotia 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.
Which public schools serve Scotia?
1 schools tracked · 192 students
The largest public schools serving Scotia, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Stanwood A. Murphy Elementary
Grades K-8 · 192 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Scotia, CA?
Ordered by distance from Scotia, not by size. Compare Scotia side by side with any of them.
Scotia housing market FAQ
Is Scotia a buyer's or seller's market?
Scotia, CA is currently a leaning buyer's. That read comes from 5.0 months of supply, homes going under contract in about 606 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Scotia?
The median sale price in the last month Redfin published was $312,000, about $210 per square foot.
Is Scotia cheaper than the rest of California?
Scotia's median sale price of $312,000 is 65% lower than the California statewide median of $887,400, and 24% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Scotia?
Homes in Scotia, CA spent a median of 606 days on market before going under contract, versus 33 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Scotia?
At the current 30-year fixed rate of 6.66%, 20% down on a $312,000 home is about $1,604 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $68,743 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $77,500.
Are home prices rising in Scotia?
Redfin's last published year-over-year change for Scotia, CA was +6.7%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Scotia?
Scotia 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 Scotia?
That depends on your timeline, not on a headline. What the data says today: Scotia, CA is a leaning buyer's with 5.0 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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