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.

See the full metro analysis: Sacramento-Roseville-Folsom, CA stress score, crash risk, and 12-month forecast →

Home Value$1,105,187

+1.6%

Rent$3,247/mo

AFFORDABILITY

Enter your income for Granite Bay.

Income (annual)

Down Payment

$221,037 on $1,105,187

Out of reach — 102.3% 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$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

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 →

GRANITE BAY, CA