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City · 50,211 residents · Sacramento County, California

Florin , California

In Florin, a typical home is worth $386,900 and typical rent is $1,622 a month. Compared with all of Sacramento County, the typical home value is 28% lower and typical household income is 23% lower.

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  • Typical home value

    $386,900

    28% below the county

    47% below California

    • Florin
    • Sacramento
    • California

  • Typical rent

    $1,622a month

    9% below the county

    20% below California

    • Florin
    • Sacramento
    • California

  • Typical household income

    $71,111a year

    23% below the county

    28% below California

    • Florin
    • Sacramento
    • California

  • Households that own their home

    56%

    3 points below the county

    About the same as California

    • Florin
    • Sacramento
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$416,420
1.5% more than 12 months ago
Typical rent
$2,024 a month
about the same as 12 months ago

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

Florin 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 Florin apart

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

  1. The typical home in Florin is worth $386,900, 28% less than in Sacramento County as a whole ($534,200).

  2. The typical household income in Florin is $71,111, 23% less than in Sacramento County as a whole ($92,175).

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

The homes here

Housing in Florin

What homes there are in Florin, 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

In Florin, 6 in 10 homes are single-family detached houses, about the same as in Sacramento County.

In Florin there are many mobile homes: 10% of homes; in Sacramento County, 2%.

Year built

By age, homes in Florin look like those in Sacramento County: the typical year built is 1984.

In Florin, 63% of homes have 3 bedrooms or more, about the same as 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

At least 98% of owner-occupied homes in Florin are worth less than $750,000, below the FHA loan limit for Sacramento County ($764,750).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Sacramento County is $2,201; about 81% of rents in Florin are below it.

With a mortgage

$1,838 a month

Sacramento County: $2,428 a month

Without a mortgage

$601 a month

Sacramento County: $732 a month

Owners with a mortgage

57%

Sacramento County: 69%

Owning costs less in Florin: with a mortgage, the typical cost is $1,838 a month; in Sacramento County, $2,428. Without one, $601.

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

The typical home value in Florin rose 55% since 2015–2019, more than in Sacramento County (52%).

The typical rent in Florin rose 41% since 2015–2019, about the same as in Sacramento County (43%).

Income in Florin grew faster than housing: it rose 59%, while home values changed +55% and rent +41%.

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

MeasureFlorinSacramento 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 10.9%6.2%8.2%3.4%
People per household 3.312.752.842.53
Drive alone 69%66%66%69%
Carpool 17%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 1%2%3%3%
Work from home 10%19%17%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Florin, 10.9% of households live with more than one person per room, against 6.2% in Sacramento County.

More people live in each home here: 3.31 on average, against 2.75 in Sacramento County.

More people carpool to work in Florin than in Sacramento County: 17% against 9%.

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 Florin?

A typical home costs more than the typical income allows

We start with a typical home in Florin, worth $386,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Florin, which is $71,111 a year. For that payment to be 28% of income, a household would need to earn about $133,104 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 Florin. 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 $13,542 (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

$3,106

at 7.18% · 30 years

Loan amount
$379,892
Total interest
$546,575
Paid off in
November 2056

Includes $6,534 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,659 a month

  • Tight

    $1,659 to $2,133 a month

  • Hard

    more than $2,133 a month

    Your payment · 52%

Compared with the typical household income in Florin ($71,111 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,106
Principal & interest$2,574
Property tax$200
Home insurance$161
FHA mortgage insurance (MIP)$171

You need at least $13,542 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

Florin and Sacramento County

Florin 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).

Florin's own numbers

Typical home value
$386,900
Typical monthly rent
$1,622
Typical yearly household income
$71,111
Households that own their home
56%
Effective property tax rate
0.62%

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 Florin

A typical home in Florin is worth $386,900: 28% below the county and 47% below California. With the typical household income in Florin ($71,111 a year), a typical home costs 5.4 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.

  • Florin 5.4 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

Florin 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
  • Florin $386,900
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Florin $1,622
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Florin $71,111
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Florin next to Sacramento County and California
Measure Florin Sacramento County California U.S.
Typical home value $386,900 $534,200 $734,700 $332,700
Typical monthly rent $1,622 $1,790 $2,036 $1,413
Typical yearly household income $71,111 $92,175 $99,122 $80,734
Households that own their home 56% 59% 56% 65%
Typical yearly property tax $2,382 $3,921 $5,124 $3,119
Effective property tax rate 0.62% 0.73% 0.7% 0.94%
Renters with high rent for their income 51% 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 Florin

For a typical $386,900 home in Florin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Florin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,106a month

    Least cash to close
    Down payment
    $13,542
    Cash to close
    $25,149
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $171

  • Conventional, 5% down $3,035a month

    Down payment
    $19,345
    Cash to close
    $30,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $184

  • Conventional, 20% down, no PMI $2,458a month

    Down payment
    $77,380
    Cash to close
    $88,987
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,816a month

    Down payment
    $58,035
    Cash to close
    $69,642
    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 Florin and for Sacramento County.

Property tax

Effective rate in Florin

0.62%of the home’s value each year

$2,382 a year for the typical owner in Florin.

  • Florin 0.62%
  • 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 Florin

Typical rent in Florin is $1,622 a month: 9% below the county. In Florin, 51% 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 Florin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Florin is in ZIP code 95828.

For 2 bedrooms it is $1,990: $211 less than the fair market rent for Sacramento County ($2,201).

  • 95828 $1,990$2,610

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Florin 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?

Free help

Help to buy or rent in Florin

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Florin

No down payment, repair or rent-help program on our list is for Florin or Sacramento County. The ones below are statewide in California: they work in Florin 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 Florin

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

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

    2411 Alhambra Blvd, Sacramento · 6 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 · 6 miles away · Spanish

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

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 7 miles away · Spanish

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

Every agency in Sacramento County All counseling agencies in California

Help in Spanish near Florin

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 Florin

HUD’s record names them for Florin 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 Florin, 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 Florin.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Florin

Short answers with the numbers for Florin 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 Florin?

The typical home value in Florin is $386,900, 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 Florin?

Typical rent in Florin is $1,622 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 Florin?

Florin 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 Florin?

The typical homeowner in Florin pays $2,382 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).