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 and I-80 · Incorporated city

Get to know Colfax.

Colfax brings a working passenger-rail stop, a depot museum and nearby canyon trails into a small foothill city.

Colfax at a glance

Public trail
BLM lists the current Stevens Trail as 4.5 miles one way from Colfax to the river at Secret Ravine. Source
Commuter stop
The current Placer Commuter Express timetable names Colfax Depot. Source

What do homes cost here?

$364,826

Median sale price · Colfax, CA · All home types

Three months ending September 2026 · -18.0% 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 there a train station in Colfax?

Yes. Amtrak lists Colfax station COX. Check the trip date and itinerary for train or bus service rather than assuming a commuter frequency.

Can I hike from Colfax straight through to Iowa Hill?

Do not plan Stevens Trail as a through-route. BLM says the historic bridge is gone and describes the current Colfax trail as ending at the river.

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
Railroad Street in Colfax.
Railroad Street in Colfax. Photo credit

Which parts should I compare?

Depot and central Colfax

Colfax Depot is a commuter-bus stop; compare the driveway-to-stop trip.

Source

North Canyon Way and Stevens Trail

BLM directs visitors from I-80’s North Canyon Way exit along the road for about a mile to the trailhead. The canyon route descends to the river, so plan for the climb back. It does not cross to Iowa Hill: the historical connecting bridge no longer stands.

Source

A feel for everyday life.

The railroad is part of the experience in Colfax, not just its history. The Colfax Heritage Museum occupies the restored passenger depot at 99 Railroad Street. Begin there to connect the town center with the mining, timber and rail stories that shaped the surrounding area. Check the museum operator’s current hours before visiting.

Amtrak lists Colfax as station COX. Check the actual itinerary and whether a trip uses a train or connecting bus before building a work or travel routine around it. A passenger station is useful, but it does not imply frequent commuter service.

For an outdoor visit, the BLM-managed Stevens Trail starts in Colfax and descends toward the North Fork American River. It is not a walk-through connection to Iowa Hill: the historic bridge is gone. Choose the hike with the return climb, weather, water supply and current trail information in mind.

Colfax Elementary School District and Colfax High School are useful named starting points for school research. Keep the incorporated city separate from the much wider area using Colfax mailing addresses. A home outside town may have a different road, utility and maintenance picture even when the listing says Colfax.

Make a visit more than a house tour.

Colfax Heritage Museum

Explore the restored depot and local history; use operator updates for hours.

Explore the details (opens in a new tab)

Stevens Trail from Colfax

Read BLM route and access information before a canyon hike.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Separate a home near the depot from a larger property outside the compact center. Compare condition, usable land and the full route to work before carrying the city market snapshot into an offer discussion.

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.

Schools and districts

Colfax Elementary’s current school information includes TK through grade 8, with the campus at 24825 Ben Taylor Road. Colfax High is in Placer Union High School District. Confirm the address with both districts and ask about school transportation and after-school care rather than assuming all homes carrying a Colfax mailing address share the same arrangements.

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?

Sacramento by commuter bus

Placer Commuter Express is a weekday service to downtown Sacramento with morning outbound and afternoon return trips. Compare its live timetable against your actual arrival and finish times. The service is a usable option to investigate, not an all-day guarantee of a ride home.

Source

A published schedule example

Colfax Depot 5:20 a.m. to Sacramento J/4th 6:50 a.m.: 90 scheduled minutes in the timetable checked October 22, 2026. Add stop access and recheck departures.

Source

Plan a canyon hike with its return climb

The present Stevens Trail ends at Secret Ravine’s meeting with the North Fork American River. BLM describes the Cape Horn railroad cut along the historic route. A visit combines canyon scenery with railroad history, but the outbound descent is only half of the walking day.

Source

What belongs in the ownership budget?

Water infrastructure and the house

PCWA provides a Colfax service-area water-quality report. Obtain the seller’s actual water bill and identify the account serving the home before comparing ongoing costs. Ask separately about private lines, pumps or other equipment on the parcel; a public treatment plant does not describe every connection.

Related resource

Compare similar properties

Separate in-town homes from acreage in comparable sales; check approved additions.

Related records

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?

  • Distinguish city limits from the Colfax mailing area.
  • The Stevens Trail historic river bridge no longer exists.

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

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%