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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South Placer · Incorporated city

Get to know Lincoln.

Get to know downtown and McBean Park, the Twelve Bridges area and established communities such as Sun City Lincoln Hills.

Lincoln at a glance

Established 55+ community
Sun City Lincoln Hills: 6,783 homes Source
Public high schools
Lincoln High and Twelve Bridges High Source
Regional transit
Rapid Link from Lincoln Park & Ride Source

What do homes cost here?

$620,704

Median sale price · Lincoln · All home types

Three months ending September 2026 · +3.5% year over year

Redfin reports closed-sale data for this geography and period. A median is the middle sale, not an asking price or an estimate for a particular home. Compare similar properties and neighborhoods before using it as a budget.

Read the market data

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

Quick answers

Where can I explore Lincoln without a home-tour appointment?

McBean Park and the Lincoln Public Library at Twelve Bridges are useful starting points. Check their current hours and event information before visiting.

Are Lincoln school boundaries staying the same?

Not everywhere. Western Placer Unified has announced a Lincoln Crossing middle- and high-school transition for 2028-2029. Confirm both the address and intended enrollment year with the district.

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.

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Downtown Lincoln.
Downtown Lincoln. Photo credit

Which parts should I compare?

Sun City Lincoln Hills

The association describes a 6,783-home community. Compare the home, association obligations and access to the activities you want; a 55+ purchase also means understanding occupancy rules, guest rules and resale documents.

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Twelve Bridges

Twelve Bridges has its own parks and trail network, with Twelve Bridges Park at 2250 Eastridge Drive. Explore the location alongside the elementary, middle and high-school campuses instead of assuming all homes carrying the name share one daily route.

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Lincoln Crossing

The city describes this 1,070-acre development as west of Highway 65 and south of Auburn Ravine. Its trail and open-space setting gives a different starting point for a home search from eastern Lincoln.

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Downtown and the older center

Pair a downtown visit with McBean Park rather than limiting the search to model homes. Compare the older property's maintenance and layout with the recurring costs of newer subdivisions. The city's trail guide helps connect those visits.

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A feel for everyday life.

A Lincoln visit can start downtown and at McBean Park, then continue to Twelve Bridges. The Lincoln Public Library at 485 Twelve Bridges Drive offers a practical community anchor and an events calendar. These stops show more of everyday life than a single model-home complex.

Sun City Lincoln Hills is an established association community with Orchard Creek and Kilaga Springs lodges. If you are comparing it with newer age-restricted communities, obtain the governing documents, occupancy rules, current dues and access terms for each property. A recreation brochure is not the complete ownership budget.

Western Placer Unified lists both Lincoln High School and Twelve Bridges High School. School planning is changing: its Lincoln Crossing boundary announcement describes a future middle- and high-school reassignment beginning in 2028-2029. Ask about the school year relevant to your move, as well as today's assignment.

Keep Lincoln city searches separate from nearby Bickford Ranch. The county identifies Bickford Ranch as unincorporated land between Lincoln, Penryn and Newcastle. A Lincoln mailing address does not make the same city services, tax charges or school arrangements apply.

Make a visit more than a house tour.

McBean Park

Start with the city park information and facilities.

Explore the details (opens in a new tab)

Lincoln Public Library

Find library services and events at Twelve Bridges.

Explore the details (opens in a new tab)

Sun City Lincoln Hills Community Association

Request current community documents, dues and facility-access rules.

Explore the details (opens in a new tab)

Bickford Ranch county plan

Understand why nearby Bickford Ranch is a separate jurisdictional question.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Lincoln offers an unusually useful comparison between an established 55+ resale community, newer master plans and the older town center. Keep those segments separate when comparing recent sales; the citywide median combines them.

Browse Lincoln 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.

New construction to explore

Taylor Morrison · Esplanade at Turkey Creek

Marketed as a 55-plus community in Lincoln. Confirm eligibility, HOA costs, available homes and amenities with the builder.

Builder community details (opens in a new tab)

Woodside Homes · Freedom at Liberty

Review the Liberty neighborhood plans and available-home information directly with Woodside. Ask how the floor plan, homesite and upgrade selections change the full purchase cost.

Builder community details (opens in a new tab)

Century Communities · Hidden Hills

Explore the different collections within this Lincoln community. Compare the plans and homesites that fit your needs, then confirm current availability, included features, community fees and construction timing.

Builder community details (opens in a new tab)
Explore 1 more builder communities

D.R. Horton · Jasper at Joiner Ranch

Explore single-family home plans at Joiner Ranch in Lincoln. Ask which homes are currently offered, what is included and what the complete monthly ownership cost would be for the property you choose.

Builder community details (opens in a new tab)

New homes in Lincoln

See the Lincoln new-home hub

Schools and districts

Western Placer Unified lists Lincoln High, Twelve Bridges High, Glen Edwards Middle and Twelve Bridges Middle, with elementary campuses including Lincoln Crossing, Foskett Ranch and Scott M. Leaman. Bickford Ranch is a separate unincorporated development; a Lincoln mailing label does not place it in this district.

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?

Lincoln to Roseville by bus

The published Rapid Link weekday example departs Lincoln Park & Ride at 6:42 a.m. and reaches the Galleria at 6:55 a.m., a 13-minute scheduled segment. The same departure reaches Watt/I-80 at 7:42 a.m. after intermediate stops. Allow for parking, waiting and any onward connection.

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Compare the last part of the drive

Lincoln Crossing, Twelve Bridges and the older center have different positions relative to Highway 65 and the city's trail corridors. Test the home-to-highway leg as well as the freeway portion; that is the part a generic Sacramento commute estimate leaves out.

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What belongs in the ownership budget?

Association costs in an established community

For Sun City Lincoln Hills, obtain the current dues, budget, reserve information and transfer-related charges from the association or resale package. The number of homes or available amenities does not establish what your individual ownership costs will be.

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Purchase-related property taxes

Keep the ongoing tax estimate and potential supplemental assessment separate. A newly built home and a long-held resale may have very different existing assessed values even when their asking prices are similar.

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Twelve Bridges special taxes

Lincoln's FY2024-2025 report places several Twelve Bridges villages in CFD 2018-1 for city maintenance services, with separate tax zones. That report does not establish today's bill for every Twelve Bridges home. Request the parcel's current special-tax disclosures and annual levy, then divide the annual amount by 12 for a monthly budget.

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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?

  • Ask about current and future school-year boundaries.
  • Obtain the specific property's HOA documents and special-tax disclosure.

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%