The median home in Granite Bay, California is valued at $1,105,187, up 1.6% year over year. Typical monthly rent is $3,247, producing a price-to-rent ratio of 28.4x — well above the national average of 18x. Granite Bay is part of the Sacramento-Roseville-Folsom, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$1,105,187

+1.6%

Rent$3,247/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Granite Bay.

Income (annual)

Down Payment

$221,037 on $1,105,187

Example: $75,000 household income. Change it above to see your own.

Out of reach102.3% of income

Need $273,943/yr to afford.

PITI$6,392

P/I102.3%

Afford$303K

Gap-$803K

P&I $5,588Tax $654Ins $150

Renting $3,145/mo cheaper ($3,247 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Granite Bay with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full Sacramento-Roseville-Folsom, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Sacramento-Roseville-Folsom, CA metro.

View Sacramento-Roseville-Folsom, CA metro

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Granite Bay, CA