City · 86,995 residents · Sacramento County, California
Citrus Heights, California
In Citrus Heights, a typical home is worth $454,600 and typical rent is $1,827 a month. Compared with all of Sacramento County, the typical home value is 15% lower and typical household income is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $444,747 to $468,847.
Typical rent
$1,883a month
▲ 1.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,732 to $1,883.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Citrus Heights is in Sacramento County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Sacramento County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in North Highlands, the typical home value is $367,600: 19% less than in Citrus Heights ($454,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Citrus Heights
What homes there are in Citrus Heights, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Citrus Heights
Sacramento County
California
United States
Kind of home: Citrus Heights and its comparisons
Measure
Citrus Heights
Sacramento County
California
United States
Detached house
59%
65%
57%
61%
Attached house
9%
6%
7%
6%
Building of 2 to 4
8%
7%
8%
8%
Apartments (5 or more)
19%
19%
24%
19%
Mobile home
5%
2%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Citrus Heights (59%), but less so than in Sacramento County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Citrus Heights
Sacramento County
California
United States
Year built: Citrus Heights and its comparisons
Measure
Citrus Heights
Sacramento County
California
United States
Before 1960
11%
20%
27%
26%
1960–1979
51%
29%
29%
24%
1980–1999
31%
29%
25%
25%
2000–2009
6%
15%
11%
14%
2010 or later
2%
7%
8%
11%
In Citrus Heights, half of the homes were built before 1977; in Sacramento County, before 1981.
By size, homes in Citrus Heights look like those in Sacramento County: 60% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K3%
$200K–$300K4%
$300K–$500K52%
$500K–$750K30%
$750K–$1M3%
FHA limit: $764,750
$1M or moreUnreliable
Value of owner-occupied homes: Citrus Heights and its comparisons
Measure
Citrus Heights
Under $100K
7%
$100K–$200K
3%
$200K–$300K
4%
$300K–$500K
52%
$500K–$750K
30%
$750K–$1M
3%
$1M or more
Unreliable estimate
By price, most homes in Citrus Heights sit under the FHA limit for Sacramento County ($764,750): about 96%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9994%
$1,000–$1,49917%
$1,500–$1,99943%
$2,000–$2,49926%
$2,500–$2,9996%
$3,000 or more4%
Monthly rent with utilities: Citrus Heights and its comparisons
Measure
Citrus Heights
Under $500
Unreliable estimate
$500–$999
4%
$1,000–$1,499
17%
$1,500–$1,999
43%
$2,000–$2,499
26%
$2,500–$2,999
6%
$3,000 or more
4%
With a mortgage
$2,112 a month
Sacramento County: $2,428 a month
Without a mortgage
$686 a month
Sacramento County: $732 a month
Owners with a mortgage
67%
Sacramento County: 69%
The typical cost for an owner with a mortgage in Citrus Heights is $2,112 a month, less than in Sacramento County ($2,428); without one, $686.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Citrus Heights+53%
Sacramento County+52%
California+46%
United States+53%
Typical rent
Citrus Heights+45%
Sacramento County+43%
California+36%
United States+33%
Typical household income
Citrus Heights+32%
Sacramento County+37%
California+32%
United States+29%
Change since 2015–2019: Citrus Heights and its comparisons
Measure
Citrus Heights
Sacramento County
California
United States
Typical home value
+53%
+52%
+46%
+53%
Typical rent
+45%
+43%
+36%
+33%
Typical household income
+32%
+37%
+32%
+29%
The typical home value in Citrus Heights rose 53% since 2015–2019, about the same as in Sacramento County (52%).
Rents in Citrus Heights rose at about the same pace as in Sacramento County: 45% since 2015–2019, against 43%.
Housing prices ran ahead of income in Citrus Heights: typical income rose 32%, against +53% for home values and +45% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Citrus Heights and its comparisons
Measure
Citrus Heights
Sacramento County
California
United States
Rental vacancy
Unreliable estimate
4.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
4.6%
6.2%
8.2%
3.4%
People per household
2.56
2.75
2.84
2.53
Drive alone
69%
66%
66%
69%
Carpool
10%
9%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
17%
19%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 4.6% of households in Citrus Heights live, less than in Sacramento County (6.2%).
Households in Citrus Heights are smaller: 2.56 people on average; in Sacramento County, 2.75.
The car rules in Citrus Heights: 69% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Citrus Heights?
A typical home costs more than the typical income allows
We start with a typical home in Citrus Heights, worth $454,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Citrus Heights, which is $82,314 a year. For that payment to be 28% of income, a household would need to earn about $156,719 a year.
The calculator's FHA and conventional loan limits are those of all of Sacramento County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Citrus Heights. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $15,911 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,657
at 7.18% · 30 years
Loan amount
$446,366
Total interest
$642,216
Paid off in
November 2056
Includes $7,677 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,921 a month
Tight
$1,921 to $2,469 a month
Hard
more than $2,469 a month
Your payment · 53%
Compared with the typical household income in Citrus Heights ($82,314 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,024
Property tax
$242
Home insurance
$189
FHA mortgage insurance (MIP)
$201
You need at least $15,911 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,657; principal and interest $3,024.
The city and its county
Citrus Heights and Sacramento County
Citrus Heights is in Sacramento County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Citrus Heights
Map of Sacramento County, California, with Citrus Heights marked. Around it, the neighboring counties.
Citrus Heights
Sacramento County
Other cities with a page
Citrus Heights's own numbers
Typical home value
$454,600
Typical monthly rent
$1,827
Typical yearly household income
$82,314
Households that own their home
61%
Effective property tax rate
0.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sacramento County
FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,201
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
8.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Sacramento County.
A typical home in Citrus Heights is worth $454,600: 15% below the county and 38% below California. With the typical household income in Citrus Heights ($82,314 a year), a typical home costs 5.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Citrus Heights5.5 years
Sacramento5.8 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sacramento County
According to FHFA’s house price index, home prices in Sacramento County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sacramento County.
Yearly change in FHFA’s price index in Sacramento County, 2016 to 2025
2016: +9.5% +9.5% 2016
2017: +9.7% +9.7% 2017
2018: +6.8% +6.8% 2018
2019: +4.4% +4.4% 2019
2020: +4.4% +4.4% 2020
2021: +16.0% +16.0% 2021
2022: +14.3% +14.3% 2022
2023: −0.9% −0.9% 2023
2024: +3.6% +3.6% 2024
2025: +0.6% +0.6% 2025
Change in FHFA’s price index in Sacramento County, California and the United States
Period
County
California
U.S.
Last year (2025)
+0.6%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+40%
+47%
10 years (2015–2025)
+91%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Citrus Heights next to Sacramento County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Citrus Heights$454,600
Sacramento$534,200
California$734,700
United States$332,700
Typical monthly rent
Citrus Heights$1,827
Sacramento$1,790
California$2,036
United States$1,413
Typical yearly household income
Citrus Heights$82,314
Sacramento$92,175
California$99,122
United States$80,734
See the full table
Citrus Heights next to Sacramento County and California
Measure
Citrus Heights
Sacramento County
California
U.S.
Typical home value
$454,600 ▼15% below the county
$534,200
$734,700
$332,700
Typical monthly rent
$1,827 ▲2% above the county
$1,790
$2,036
$1,413
Typical yearly household income
$82,314 ▼11% below the county
$92,175
$99,122
$80,734
Households that own their home
61% ▲2 points above the county
59%
56%
65%
Typical yearly property tax
$2,915 ▼26% below the county
$3,921
$5,124
$3,119
Effective property tax rate
0.64% ▼0.09 points below the county
0.73%
0.7%
0.94%
Renters with high rent for their income
56%
56%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sacramento County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Citrus Heights
For a typical $454,600 home in Citrus Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Citrus Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,657a month
Least cash to close
Down payment
$15,911
Cash to close
$29,549
Rate
7.18%
Mortgage insurance
FHA MIP · $201
Conventional, 5% down$3,573a month
Down payment
$22,730
Cash to close
$36,368
Rate
7.18%
Mortgage insurance
PMI · $216
Conventional, 20% down, no PMI$2,896a month
Down payment
$90,920
Cash to close
$104,558
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,316a month
Down payment
$68,190
Cash to close
$81,828
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Citrus Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,657
$15,911
$446,366
7.18%
FHA MIP · $201
$29,549
580
Conventional, 5% down
$3,573
$22,730
$431,870
7.18%
PMI · $216
$36,368
620*
Conventional, 20% down, no PMI
$2,896
$90,920
$363,680
7.18%
None
$104,558
620*
ITIN, 15% down (example)
$3,316
$68,190
$386,410
8.18%
None
$81,828
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Citrus Heights is $1,827 a month: 2% above the county. In Citrus Heights, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sacramento County, by unit size. To pay the 2-bedroom one ($2,201 a month) without spending more than 30% of your income, you would need to earn $42.33 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sacramento County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,742
$33.50
$69,680
1 bedroom
$1,793
$34.48
$71,720
2 bedrooms
$2,201
$42.33
$88,040
3 bedrooms
$2,887
$55.52
$115,480
4 bedrooms
$3,329
$64.02
$133,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Citrus Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Citrus Heights has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,210 in 95621 to $2,340 in 95610.
2 of the 2 are above the fair market rent for Sacramento County ($2,201).
Fair market rent by ZIP code and size in Citrus Heights, fiscal year 2027.
95610
$1,850
$1,910
$2,340
$3,070
$3,540
95621
$1,750
$1,800
$2,210
$2,900
$3,340
ZIP code2 bd3 bd
95610 $2,340$3,070
95621 $2,210$2,900
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Citrus Heights when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 6 buildings with rents for lower incomes in Citrus Heights. These are the largest.
Sun River6250 Mariposa Ave, Citrus Heights 95610279 low-income homes · Run by County of Sacramento Housing Authority · Average payment: $605 a month · Average wait: 72 months(916) 440-1319
Vintage Oaks7340 Stock Ranch Rd, Citrus Heights 95621241 homes, 240 low-income · 1 bd: 192 · 2 bd: 49 · In service since 2010 · For older adults
Arborelle Apts8007 Sunrise Blvd, Citrus Heights 95610179 homes, 177 low-income · 1 bd: 59 · 2 bd: 120 · In service since 2008
Greenback Manor Apts7500 Greenback Ln, Citrus Heights 95610156 low-income homes · 1 bd: 54 · 2 bd: 54 · 3 bd: 32 · 4 bd: 16 · In service since 1999 · For families
Normandy Park Senior Apts7575 Madison Ave, Citrus Heights 95610116 homes, 92 low-income · 1 bd: 52 · 2 bd: 41 · In service since 2000 · For older adults
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 4 HUD-approved agencies with an office in Sacramento County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Citrus Heights or Sacramento County. The ones below are statewide in California: they work in Citrus Heights the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
The HUD-approved agencies closest to the center of Citrus Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
TG
The Greater Sacramento Urban League
3725 Marysville Blvd, Sacramento · 9 miles away · Spanish
3 of the 3 agencies on this list say they serve in Spanish.
Ask for service in Spanish
When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.
Housing authorities of Citrus Heights
HUD’s record names them for Citrus Heights or Sacramento County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
County of Sacramento Housing AuthorityPublic housing and Section 8 vouchers(916) 440-1319
No legal help resource on our list is for Citrus Heights or Sacramento County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Citrus Heights and all of Sacramento County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Citrus Heights?
The typical home value in Citrus Heights is $454,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sacramento County it is $534,200.
How much does it cost to rent in Citrus Heights?
Typical rent in Citrus Heights is $1,827 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sacramento County is $2,201.
What is the FHA loan limit in Citrus Heights?
Citrus Heights uses the FHA limit for all of Sacramento County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.
How much property tax do owners pay in Citrus Heights?
The typical homeowner in Citrus Heights pays $2,915 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Sacramento County, the rate is 0.73%.
Where can I find free help to buy or rent in Citrus Heights?
There are 4 HUD-approved counseling agencies with an office in Sacramento County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
