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City · 83,916 residents · Sacramento County, California

Folsom , California

In Folsom, a typical home is worth $755,200 and typical rent is $2,352 a month. Compared with all of Sacramento County, typical household income is 52% higher, the typical home value is 41% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $755,200

    41% above the county

    3% above California

    • Folsom
    • Sacramento
    • California

  • Typical rent

    $2,352a month

    31% above the county

    16% above California

    • Folsom
    • Sacramento
    • California

  • Typical household income

    $139,804a year

    52% above the county

    41% above California

    • Folsom
    • Sacramento
    • California

  • Households that own their home

    70%

    11 points above the county

    14 points above California

    • Folsom
    • Sacramento
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$754,898
about the same as 12 months ago
Typical rent
$2,667 a month
4.5% more than 12 months ago

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

Folsom 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 Folsom apart

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

  1. The typical household income in Folsom is $139,804, 52% more than in Sacramento County as a whole ($92,175).

  2. The typical home in Folsom is worth $755,200, 41% more than in Sacramento County as a whole ($534,200).

  3. The typical rent in Folsom is $2,352 a month, 31% more than in Sacramento County as a whole ($1,790).

  4. Nearby, in Orangevale, the typical home value is $565,100: 25% less than in Folsom ($755,200).

  5. Nearby, in Fair Oaks, the typical rent is $1,910: 19% less than in Folsom ($2,352).

  6. 70% of households in Folsom own their home, against 59% in Sacramento County.

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

The homes here

Housing in Folsom

What homes there are in Folsom, 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 Folsom, 7 in 10 homes are single-family detached houses; in Sacramento County, 7.

Year built

Homes in Folsom are newer: the typical year built is 1997; in Sacramento County, 1981.

Homes in Folsom are bigger: 72% have 3 bedrooms or more; in Sacramento County, 62%.

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

$3,141 a month

Sacramento County: $2,428 a month

Without a mortgage

$926 a month

Sacramento County: $732 a month

Owners with a mortgage

72%

Sacramento County: 69%

Owning costs more in Folsom: with a mortgage, the typical cost is $3,141 a month; in Sacramento County, $2,428. Without one, $926.

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 Folsom rose 44% since 2015–2019, less than in Sacramento County (52%).

Since 2015–2019, the typical rent in Folsom rose 38%, less than in Sacramento County (43%).

Housing prices ran ahead of income in Folsom: typical income rose 22%, against +44% for home values and +38% for rent.

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

MeasureFolsomSacramento 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 2.4%6.2%8.2%3.4%
People per household 2.642.752.842.53
Drive alone 60%66%66%69%
Carpool 5%9%10%9%
Public transit 2%1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 31%19%17%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Folsom, 2.4% of households live with more than one person per room, against 6.2% in Sacramento County.

A household in Folsom has 2.64 people on average, about the same as in Sacramento County (2.75).

Many people here do not commute at all: 31% work from home; in Sacramento County, 19%.

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 Folsom?

A typical home costs more than the typical income allows

We start with a typical home in Folsom, worth $755,200, 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 Folsom, which is $139,804 a year. For that payment to be 28% of income, a household would need to earn about $265,203 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 Folsom. 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 $26,432 (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

$6,188

at 7.18% · 30 years

Loan amount
$741,521
Total interest
$1,066,875
Paid off in
November 2056

Includes $12,753 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,262 a month

  • Tight

    $3,262 to $4,194 a month

  • Hard

    more than $4,194 a month

    Your payment · 53%

Compared with the typical household income in Folsom ($139,804 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,188
Principal & interest$5,023
Property tax$516
Home insurance$315
FHA mortgage insurance (MIP)$334

You need at least $26,432 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

Folsom and Sacramento County

Folsom 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).

Folsom's own numbers

Typical home value
$755,200
Typical monthly rent
$2,352
Typical yearly household income
$139,804
Households that own their home
70%
Effective property tax rate
0.82%

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 Folsom

A typical home in Folsom is worth $755,200: 41% above the county and 3% above California. With the typical household income in Folsom ($139,804 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.

  • Folsom 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

Folsom 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
  • Folsom $755,200
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Folsom $2,352
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Folsom $139,804
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Folsom next to Sacramento County and California
Measure Folsom Sacramento County California U.S.
Typical home value $755,200 $534,200 $734,700 $332,700
Typical monthly rent $2,352 $1,790 $2,036 $1,413
Typical yearly household income $139,804 $92,175 $99,122 $80,734
Households that own their home 70% 59% 56% 65%
Typical yearly property tax $6,212 $3,921 $5,124 $3,119
Effective property tax rate 0.82% 0.73% 0.7% 0.94%
Renters with high rent for their income 47% 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 Folsom

For a typical $755,200 home in Folsom, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Folsom's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,188a month

    Least cash to close
    Down payment
    $26,432
    Cash to close
    $49,088
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $334

  • Conventional, 5% down $6,050a month

    Down payment
    $37,760
    Cash to close
    $60,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $359

  • Conventional, 20% down, no PMI $4,924a month

    Down payment
    $151,040
    Cash to close
    $173,696
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,622a month

    Down payment
    $113,280
    Cash to close
    $135,936
    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 Folsom and for Sacramento County.

Property tax

Effective rate in Folsom

0.82%of the home’s value each year

$6,212 a year for the typical owner in Folsom.

  • Folsom 0.82%
  • 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 Folsom

Typical rent in Folsom is $2,352 a month: 31% above the county. In Folsom, 47% 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 Folsom

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Folsom has 2 ZIP codes with their own.

For 2 bedrooms it is $2,920 in all of them.

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

  • 95630 $2,920$3,830
  • 95671 $2,920$3,830

A ZIP code counts for Folsom 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 Folsom

HUD lists 9 buildings with rents for lower incomes in Folsom. These are the largest.

  • Vintage Willow Creek Senior Apts 1701 Creekside Dr, Folsom 95630 184 homes, 183 low-income · 1 bd: 104 · 2 bd: 80 · In service since 2003 · For older adults
  • Creekview Manor 1720 Creekside Dr, Folsom 95630 138 homes, 137 low-income · 1 bd: 128 · 2 bd: 10 · In service since 2007 · For older adults
  • Bidwell Pointe 125 E Bidwell St, Folsom 95630 140 homes, 100 low-income · 1 bd: 74 · 2 bd: 58 · 3 bd: 8 · In service since 2019
  • Mercy Village Folsom 1150 Duchow Way, Folsom 95630 81 homes, 80 low-income · Studio: 8 · 1 bd: 14 · 2 bd: 59 · In service since 2008
  • Granite City Apts 1150 Sibley St, Folsom 95630 80 low-income homes · 1 bd: 30 · 2 bd: 33 · 3 bd: 18 · In service since 2013

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

Free help

Help to buy or rent in Folsom

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Folsom

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

The HUD-approved agencies closest to the center of Folsom, 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 · 13 miles away · Spanish

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

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (916) 286-8652

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 19 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 Folsom

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 Folsom

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Folsom

Short answers with the numbers for Folsom 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 Folsom?

The typical home value in Folsom is $755,200, 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 Folsom?

Typical rent in Folsom is $2,352 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 Folsom?

Folsom 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 Folsom?

The typical homeowner in Folsom pays $6,212 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).