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City · 25,962 residents · Sacramento County, California

Galt , California

In Galt, a typical home is worth $487,500 and typical rent is $1,596 a month. Compared with all of Sacramento County, typical rent is 11% lower, the typical home value is 9% lower, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $487,500

    9% below the county

    34% below California

    • Galt
    • Sacramento
    • California

  • Typical rent

    $1,596a month

    11% below the county

    22% below California

    • Galt
    • Sacramento
    • California

  • Typical household income

    $94,393a year

    2% above the county

    5% below California

    • Galt
    • Sacramento
    • California

  • Households that own their home

    77%

    18 points above the county

    21 points above California

    • Galt
    • Sacramento
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$529,162
0.6% less than 12 months ago

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

Galt 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 Galt apart

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

  1. 77% of households in Galt own their home, against 59% in Sacramento County.

  2. Nearby, in Florin, the typical home value is $386,900: 21% less than in Galt ($487,500).

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

The homes here

Housing in Galt

What homes there are in Galt, 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 Galt: 80% of homes, more than in Sacramento County (65%).

Year built

Here half of the homes date from 1994 or later; in Sacramento County, from 1981 or later.

Homes in Galt are bigger: 75% 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

$2,253 a month

Sacramento County: $2,428 a month

Without a mortgage

$710 a month

Sacramento County: $732 a month

Owners with a mortgage

66%

Sacramento County: 69%

The typical cost for an owner with a mortgage in Galt is $2,253 a month, less than in Sacramento County ($2,428); without one, $710.

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

From 2015–2019 to 2020–2024, the typical home value in Galt rose 47%; in Sacramento County, it rose 52%.

Since 2015–2019, the typical rent in Galt rose 30%, less than in Sacramento County (43%).

Housing prices ran ahead of income in Galt: typical income rose 25%, against +47% for home values and +30% 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

MeasureGaltSacramento 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 8.6%6.2%8.2%3.4%
People per household 3.072.752.842.53
Drive alone 71%66%66%69%
Carpool 13%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Galt: 8.6% have more than one person per room; in Sacramento County, 6.2%.

More people live in each home here: 3.07 on average, against 2.75 in Sacramento County.

In Galt, 13% of workers share a car to get to work; in Sacramento County, 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 Galt?

A typical home costs more than the typical income allows

We start with a typical home in Galt, worth $487,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Galt, which is $94,393 a year. For that payment to be 28% of income, a household would need to earn about $169,976 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 Galt. 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 $17,063 (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

$3,966

at 7.18% · 30 years

Loan amount
$478,670
Total interest
$688,693
Paid off in
November 2056

Includes $8,233 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,203 a month

  • Tight

    $2,203 to $2,832 a month

  • Hard

    more than $2,832 a month

    Your payment · 50%

Compared with the typical household income in Galt ($94,393 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,966
Principal & interest$3,243
Property tax$305
Home insurance$203
FHA mortgage insurance (MIP)$216

You need at least $17,063 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

Galt and Sacramento County

Galt 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).

Galt's own numbers

Typical home value
$487,500
Typical monthly rent
$1,596
Typical yearly household income
$94,393
Households that own their home
77%
Effective property tax rate
0.75%

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 Galt

A typical home in Galt is worth $487,500: 9% below the county and 34% below California. With the typical household income in Galt ($94,393 a year), a typical home costs 5.2 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.

  • Galt 5.2 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

Galt 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
  • Galt $487,500
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Galt $1,596
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Galt $94,393
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Galt next to Sacramento County and California
Measure Galt Sacramento County California U.S.
Typical home value $487,500 $534,200 $734,700 $332,700
Typical monthly rent $1,596 $1,790 $2,036 $1,413
Typical yearly household income $94,393 $92,175 $99,122 $80,734
Households that own their home 77% 59% 56% 65%
Typical yearly property tax $3,649 $3,921 $5,124 $3,119
Effective property tax rate 0.75% 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 Galt

For a typical $487,500 home in Galt, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Galt's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,966a month

    Least cash to close
    Down payment
    $17,063
    Cash to close
    $31,688
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,877a month

    Down payment
    $24,375
    Cash to close
    $39,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,150a month

    Down payment
    $97,500
    Cash to close
    $112,125
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,601a month

    Down payment
    $73,125
    Cash to close
    $87,750
    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 Galt and for Sacramento County.

Property tax

Effective rate in Galt

0.75%of the home’s value each year

$3,649 a year for the typical owner in Galt.

  • Galt 0.75%
  • 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 Galt

Typical rent in Galt is $1,596 a month: 11% below the county. In Galt, 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 Galt

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Galt is in ZIP code 95632.

For 2 bedrooms it is $1,930: $271 less than the fair market rent for Sacramento County ($2,201).

  • 95632 $1,930$2,530

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

HUD lists 7 buildings with rents for lower incomes in Galt. These are the largest.

  • Galt Place Senior Apts 400 D St, Galt 95632 81 homes, 80 low-income · 1 bd: 64 · 2 bd: 17 · In service since 2011 · For older adults
  • Hudson Bay Apts 1003 Lake Park Ave, Galt 95632 80 homes, 79 low-income · 2 bd: 24 · 3 bd: 56 · In service since 2001 · For families
  • New Hope Senior Village 890 Village Run Dr, Galt 95632 56 low-income homes · In service since 1994 · For older adults
  • Empire Village 254 Palin Ave, Galt 95632 54 low-income homes · For older adults (209) 745-1862
  • Grizzly Hollow Phase III 805 Elk Hills Dr, Galt 95632 54 homes, 53 low-income · 1 bd: 16 · 2 bd: 20 · 3 bd: 18 · 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 Galt

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 pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Galt

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

The HUD-approved agencies closest to the center of Galt, 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 · 20 miles away · Spanish

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

  • Visionary Home Builders of California

    315 N San Joaquin St, Stockton · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 3 more
    (209) 466-6811

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

    2411 Alhambra Blvd, Sacramento · 22 miles away · Spanish

    Also serves in other languages.

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

Every agency in Sacramento County All counseling agencies in California

Help in Spanish near Galt

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 Galt

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Galt

Short answers with the numbers for Galt 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 Galt?

The typical home value in Galt is $487,500, 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 Galt?

Typical rent in Galt is $1,596 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 Galt?

Galt 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 Galt?

The typical homeowner in Galt pays $3,649 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).