Nick’s Lending.Placer County
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Explore Nick’s Lending

10-year TreasuryYield · Oct 29, 20264.980%
Rates as of Oct 29, 2026Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.
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Foothills · Incorporated city

Get to know Auburn.

Auburn brings Gold Rush history, a passenger-rail connection and American River recreation together in a foothill city.

Auburn at a glance

County seat
California’s historical-landmark record identifies Auburn as Placer County’s seat beginning in 1851. Source
School structure
Auburn Union lists Auburn Elementary, Skyridge Elementary and E.V. Cain. Source
Endurance identity
Auburn adopted the official tagline Endurance Capital of the World in 2003, recognizing its connection to the Tevis Cup and Western States 100-Mile Endurance Run. Source

What do homes cost here?

$599,714

Median sale price · Auburn, CA · All home types

Three months ending September 2026 · +5.6% year over year

Redfin closed-sale median for this geography and period. A changing mix of homes can move the median without showing how an individual home changed in value.

Read the market data

Reviewed . Market periods are shown separately. Next resource review due 2027-01-22.

Quick answers

Is Auburn the Placer County seat?

Yes. California’s historical-landmark record identifies Auburn as the Placer County seat beginning in 1851.

Does Auburn have passenger-rail service?

Auburn is on the Capitol Corridor route. Check the current timetable and full itinerary to see whether a particular train and station connection fit your trip.

Where can I find current canyon recreation information?

California State Parks publishes Auburn State Recreation Area access, closure, camping and Lake Clementine information.

Why is Auburn called the Endurance Capital of the World?

The city adopted that official tagline in 2003. Its endurance history includes the Tevis Cup, a 100-mile equestrian ride, and the Western States 100-Mile Endurance Run. Check event organizers for current routes, dates and spectator access.

Sources & further reading

Community resource review: . This date applies to the local resources and answers added to this guide, not to live home inventory, pricing or future project completion.

Jump to a section
Old Town Auburn.
Old Town Auburn. Photo credit

Which parts should I compare?

Old Town and Downtown

Make time for both historic-center areas when comparing an Auburn home. The county museum program offers walking and driving tours that explain the buildings and streets. For a practical visit, pair that exploration with the home’s actual parking, approach and route to everyday destinations rather than evaluating it only as a weekend stop.

Source

The canyon side

Auburn State Recreation Area follows the American River canyons and provides several distinct access points. Choose the trailhead or recreation destination you want to use, then compare the real route from the home. A canyon view and convenient public access are different property attributes.

Source

A feel for everyday life.

Old Town and Downtown offer different starting points for exploring Auburn. The state’s historical-landmark record connects Auburn with the 1848 gold discovery and its role as Placer County’s seat beginning in 1851. The county museum program’s self-guided tours help turn the buildings and streets into a story rather than just a stop between showings.

Auburn is part of the Capitol Corridor passenger-rail route. Use the current timetable and complete itinerary when deciding whether a trip works for you, including the last connection from the station. Rail service is a useful option to investigate, not a promise that it fits every work schedule.

Auburn State Recreation Area stretches along the North and Middle Forks of the American River, with trails, river access and camping information published by State Parks. Lake Clementine access has its own conditions and reservation information. Choose the actual destination before leaving, and check the current park notices instead of assuming all entrances are open.

Auburn Union School District and Placer Union High School District are named starting points for school research. Keep incorporated Auburn separate from North Auburn and other county communities using Auburn mailing addresses. For a hillside home, include the driveway, drainage, trees and insurance in the ownership budget alongside the house itself.

Make a visit more than a house tour.

Auburn walking and driving tours

Explore Old Town and Downtown through the county museum program.

Explore the details (opens in a new tab)

Auburn State Recreation Area

Plan a specific trail, river or Lake Clementine visit using park notices.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Old Town, Downtown and canyon-side settings create different daily routines. Compare parking, slope, condition and access to the places you use, then choose recent sales matching those features. The citywide closed-sale snapshot provides context rather than a price for every Auburn-address home.

Browse Placer County homes on Zillow (opens in a new tab)

Zillow opens separately. Listings, estimates and boundaries are third-party information, not our inventory or a guarantee of value or availability. Check the exact address and terms with your agent.

Ask us and your real estate professional to research new construction for your specific search. Use the current new-home directory alongside county planning records; an approved project is not the same as homes available to buy.

New homes in Auburn

See the Auburn new-home hub

Schools and districts

Auburn Union’s current campus list includes Auburn Elementary, Skyridge and E.V. Cain; the district’s enrollment page identifies three TK-through-8 schools. Confirm the property’s assigned campus, transportation and any transfer requirements. Placer High is a separate Placer Union High School District campus, so verify that stage independently rather than assuming the postal address completes enrollment research.

School information

Confirm the exact address, current attendance boundary and enrollment with the district. A nearby school is not a guaranteed assignment.

Local services and providers

What does getting around look like?

Train, local bus and commuter bus

Capitol Corridor is a rail option to investigate from Auburn, while Auburn Transit and Placer Commuter Express serve different travel needs. Compare the current full itinerary and return connection for the trip you make. A rail route map is not proof that every departure is a direct train at the hour you want.

Source

A published schedule example

Auburn Station 5:43 a.m. to Sacramento J/4th 6:50 a.m.: 67 scheduled minutes in the timetable checked October 22, 2026. Add stop access and recheck departures.

Source

What belongs in the ownership budget?

Older homes and later changes

For an established home, request records for additions, converted spaces and major updates.

Related records

Budget beyond the mortgage

Compare slope maintenance, utilities and insurance alongside the monthly mortgage estimate.

Compare the address, not just the price.

Bring the listing, tax bill, HOA statement and insurance quote. We can help put the recurring costs beside the loan payment before you compare homes.

Talk through the numbers

What should I check before choosing a home?

  • Separate incorporated Auburn from surrounding county addresses.
  • Check Lake Clementine access and reservation requirements before driving there.

Visit at more than one time of day. Check insurance availability, utilities, total property charges and commute conditions for the specific address before removing contingencies.

Keep exploring.

Your next move

Make this place feel like yours.

Tell us which communities interest you, what your days look like, and where you could use a hand.

Start a conversation

California homeowners insurance

Homeowners insurance helps protect your home and belongings against covered losses. In California, start checking insurance availability and cost early in a home purchase, and review coverage before renewal. A mortgage preapproval is not confirmation that a particular property can be insured. Compare coverage, exclusions, deductibles and the total cost, then have your lender review the proposed policy.

Explore California insurance guidance

Rate context & assumptions

Dated rate references, not a live quote. Check the rates-as-of date shown with the figures. Review the product-specific assumptions below.

Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.

30-year fixed

Rate 7.161% · APR 7.232%

* Conventional 30-year fixed-rate purchase loan. $650,000 purchase price. $455,000 loan amount. $195,000 down payment (30%). 70% LTV. 780 representative credit score. Owner-occupied single-family residence in California. 360 monthly payments. 30-day rate-lock period.

Pricing shown at par: 0.000 discount points and $0 lender credit. Estimated principal-and-interest payment is $3,076.48 per month. Payment does not include property taxes, homeowners insurance, HOA dues, assessments, or other property-related charges. The actual total monthly payment will be higher. Mortgage insurance is not included because this example assumes 70% LTV.

The illustrative APR assumes $3,200 in prepaid finance charges and an amount financed of $451,800. Actual APR and closing costs depend on the final loan terms and which charges constitute finance charges under applicable law. Rate, APR, fees, and availability are subject to change until locked. All loans are subject to credit, income, asset, property, appraisal, underwriting, and program requirements.

Example as of October 29, 2026 at 6:35 AM Pacific. This is not an approval, offer, guarantee, or commitment to lend.

15-year fixed

Rate 6.411% · APR 6.523%

15-year fixed temporary estimate as of 2026-10-29: 0.750 percentage points below the 30-year conventional reference. Not independently sourced lender pricing.

Illustrative purchase: $650,000 price, $455,000 loan, $195,000 down (30%), 70% LTV, 780 credit score. Owner-occupied California single-family residence; 180 monthly payments; 30-day lock assumption.

At 0.000 points and $0 lender credit, estimated principal and interest is $3,941.31/month. Taxes, insurance, HOA and other property charges are excluded; total payment will be higher.

Modeled APR uses $3,200 prepaid finance charges and $451,800 amount financed over 180 months. This is an estimate, not an offer or commitment. Actual rates, APR and eligibility require individual review.

FHA · 30-year fixed

Rate 6.991% · Modeled APR 7.061%

FHA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

VA · 30-year fixed

Rate 6.839% · Modeled APR 6.908%

VA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

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10-year Treasury · Yield · Oct 29, 2026 · 4.980%