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City · 179,155 residents · Sacramento County, California

Elk Grove , California

In Elk Grove, a typical home is worth $630,100 and typical rent is $2,262 a month. Compared with all of Sacramento County, typical household income is 37% higher, typical rent is 26% higher, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $630,100

    18% above the county

    14% below California

    • Elk Grove
    • Sacramento
    • California

  • Typical rent

    $2,262a month

    26% above the county

    11% above California

    • Elk Grove
    • Sacramento
    • California

  • Typical household income

    $125,924a year

    37% above the county

    27% above California

    • Elk Grove
    • Sacramento
    • California

  • Households that own their home

    74%

    15 points above the county

    18 points above California

    • Elk Grove
    • Sacramento
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$624,643
1.6% less than 12 months ago
Typical rent
$2,688 a month
2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Elk Grove 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Elk Grove apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Lemon Hill, the typical home value is $349,900: 44% less than in Elk Grove ($630,100).

  2. Nearby, in Lemon Hill, the typical rent is $1,421: 37% less than in Elk Grove ($2,262).

  3. The typical household income in Elk Grove is $125,924, 37% more than in Sacramento County as a whole ($92,175).

  4. 74% of households in Elk Grove own their home, against 59% in Sacramento County.

  5. The typical rent in Elk Grove is $2,262 a month, 26% more than in Sacramento County as a whole ($1,790).

  6. The typical home in Elk Grove is worth $630,100, 18% more than in Sacramento County as a whole ($534,200).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Elk Grove

What homes there are in Elk Grove, 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

The detached house rules in Elk Grove: 86% of homes, more than in Sacramento County (65%).

Year built

The typical home in Elk Grove was built in 2000, 19 years after the typical one in Sacramento County.

There is more room for a big family here: 85% of homes have 3 bedrooms or more, against 62% in Sacramento County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,730 a month

Sacramento County: $2,428 a month

Without a mortgage

$872 a month

Sacramento County: $732 a month

Owners with a mortgage

73%

Sacramento County: 69%

The typical cost for an owner with a mortgage in Elk Grove is $2,730 a month, more than in Sacramento County ($2,428); without one, $872.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Elk Grove gained value faster than in Sacramento County: 55% against 52%.

The typical rent in Elk Grove rose 34% over the same time; in Sacramento County, it rose 43%.

While home values in Elk Grove changed +55% and rent +34%, the typical household income rose 34%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureElk GroveSacramento CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.2%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 3.9%6.2%8.2%3.4%
People per household 3.202.752.842.53
Drive alone 66%66%66%69%
Carpool 10%9%10%9%
Public transit 1%1%3%3%
Walk or bike 1%2%3%3%
Work from home 21%19%17%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Elk Grove, 3.9% of households live with more than one person per room, against 6.2% in Sacramento County.

On average, a household in Elk Grove has 3.20 people, more than in Sacramento County (2.75).

To get to work, 66% of workers in Elk Grove drive alone; in Sacramento County, 66%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Elk Grove?

A typical home costs more than the typical income allows

We start with a typical home in Elk Grove, worth $630,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Elk Grove, which is $125,924 a year. For that payment to be 28% of income, a household would need to earn about $221,722 a year.

The calculator's FHA and conventional loan limits are those of all of Sacramento County.

Your numbers

Local data
$

Starts at the typical home value in Elk Grove. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,054 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,174

at 7.18% · 30 years

Loan amount
$618,687
Total interest
$890,145
Paid off in
November 2056

Includes $10,641 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,938 a month

  • Tight

    $2,938 to $3,778 a month

  • Hard

    more than $3,778 a month

    Your payment · 49%

Compared with the typical household income in Elk Grove ($125,924 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,174
Principal & interest$4,191
Property tax$441
Home insurance$263
FHA mortgage insurance (MIP)$279

You need at least $22,054 for the down payment, plus closing costs.

Next step

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.

The city and its county

Elk Grove and Sacramento County

Elk Grove 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).

Elk Grove's own numbers

Typical home value
$630,100
Typical monthly rent
$2,262
Typical yearly household income
$125,924
Households that own their home
74%
Effective property tax rate
0.84%

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.

Everything about Sacramento County

Buying

Buying a home in Elk Grove

A typical home in Elk Grove is worth $630,100: 18% above the county and 14% below California. With the typical household income in Elk Grove ($125,924 a year), a typical home costs 5.0 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.

  • Elk Grove 5.0 years
  • Sacramento 5.8 years
  • California 7.4 years
  • United States 4.1 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.

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

Elk Grove 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
  • Elk Grove $630,100
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Elk Grove $2,262
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Elk Grove $125,924
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Elk Grove next to Sacramento County and California
Measure Elk Grove Sacramento County California U.S.
Typical home value $630,100 $534,200 $734,700 $332,700
Typical monthly rent $2,262 $1,790 $2,036 $1,413
Typical yearly household income $125,924 $92,175 $99,122 $80,734
Households that own their home 74% 59% 56% 65%
Typical yearly property tax $5,266 $3,921 $5,124 $3,119
Effective property tax rate 0.84% 0.73% 0.7% 0.94%
Renters with high rent for their income 53% 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 Elk Grove

For a typical $630,100 home in Elk Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Elk Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,174a month

    Least cash to close
    Down payment
    $22,054
    Cash to close
    $40,957
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $279

  • Conventional, 5% down $5,058a month

    Down payment
    $31,505
    Cash to close
    $50,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $299

  • Conventional, 20% down, no PMI $4,118a month

    Down payment
    $126,020
    Cash to close
    $144,923
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,701a month

    Down payment
    $94,515
    Cash to close
    $113,418
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Elk Grove and for Sacramento County.

Property tax

Effective rate in Elk Grove

0.84%of the home’s value each year

$5,266 a year for the typical owner in Elk Grove.

  • Elk Grove 0.84%
  • Sacramento 0.73%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Sacramento County

FEMA does not publish these numbers by city: they are for all of Sacramento County.

Homes in the high-risk zone
8.1%
35,666
Of those, with NFIP insurance
81%
County California U.S.
Homes in the high-risk zone 8.1% 2.8% 3.5%
Of those, with NFIP insurance 81% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Elk Grove

Typical rent in Elk Grove is $2,262 a month: 26% above the county. In Elk Grove, 53% 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.

HUD fair market rent for all of Sacramento County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Elk Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Elk Grove has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,430 in 95624 to $3,130 in 95757.

3 of the 3 are above the fair market rent for Sacramento County ($2,201).

  • 95624 $2,430$3,190
  • 95757 $3,130$4,110
  • 95758 $2,740$3,590

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Elk Grove 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Elk Grove

HUD lists 20 buildings with rents for lower incomes in Elk Grove. These are the largest.

  • Seasons 7301 Bilby Rd, Elk Grove 95757 222 homes, 220 low-income · 1 bd: 144 · 2 bd: 78 · In service since 2009 · For older adults
  • The Ridge Apts 8151 Civic Center Dr, Elk Grove 95757 202 low-income homes · 1 bd: 60 · 2 bd: 84 · 3 bd: 60 · In service since 2012
  • Agave at Elk Grove 10070 Willard Pkwy, Elk Grove 95757 188 homes, 187 low-income · 2 bd: 96 · 3 bd: 80 · 4 bd: 12 · In service since 2005 · For families
  • Vintage at Laguna Senior Apts 9210 Big Horn Blvd, Elk Grove 95758 158 homes, 157 low-income · 1 bd: 95 · 2 bd: 63 · In service since 2005 · For older adults
  • Geneva Pointe Apts 8280 Geneva Pointe Dr, Elk Grove 95624 152 homes, 150 low-income · 1 bd: 40 · 2 bd: 72 · 3 bd: 40 · In service since 2006 · For families

See all 248 buildings in Sacramento County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Elk Grove

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.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Elk Grove

No down payment, repair or rent-help program on our list is for Elk Grove or Sacramento County. The ones below are statewide in California: they work in Elk Grove the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Elk Grove

The HUD-approved agencies closest to the center of Elk Grove, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

  • Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region

    2411 Alhambra Blvd, Sacramento · 11 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (916) 452-5356

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 11 miles away · Spanish

    • Budget and credit workshops
    • Homelessness services
    • and 4 more
    (916) 286-8652

Every agency in Sacramento County All counseling agencies in California

Help in Spanish near Elk Grove

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 Elk Grove

HUD’s record names them for Elk Grove or Sacramento County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • County of Sacramento Housing Authority Public housing and Section 8 vouchers (916) 440-1319

One other authority has an office in Sacramento County: see the list Source: HUD

Cities

Other cities in Sacramento County

These cities are also in Sacramento County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Sacramento County Housing in California
See 11 more cities in Sacramento County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Elk Grove, with the typical home value.

Neighboring counties

If Sacramento County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Elk Grove.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Elk Grove

Short answers with the numbers for Elk Grove 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 Elk Grove?

The typical home value in Elk Grove is $630,100, 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 Elk Grove?

Typical rent in Elk Grove is $2,262 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 Elk Grove?

Elk Grove 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 Elk Grove?

The typical homeowner in Elk Grove pays $5,266 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Sacramento County, the rate is 0.73%.

Where can I find free help to buy or rent in Elk Grove?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).