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City · 7,924 residents · Sacramento County, California

Gold River , California

In Gold River, a typical home is worth $724,400 and typical rent is $2,448 a month. Compared with all of Sacramento County, typical household income is 90% higher, typical rent is 37% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $724,400

    36% above the county

    About the same as California

    • Gold River
    • Sacramento
    • California

  • Typical rent

    $2,448a month

    37% above the county

    20% above California

    • Gold River
    • Sacramento
    • California

  • Typical household income

    $175,120a year

    90% above the county

    77% above California

    • Gold River
    • Sacramento
    • California

  • Households that own their home

    87%

    28 points above the county

    31 points above California

    • Gold River
    • Sacramento
    • California

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

Gold River 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 Gold River apart

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

  1. 87% of households in Gold River own their home, against 59% in Sacramento County.

  2. The typical household income in Gold River is $175,120, 90% more than in Sacramento County as a whole ($92,175).

  3. Nearby, in Citrus Heights, the typical home value is $454,600: 37% less than in Gold River ($724,400).

  4. The typical rent in Gold River is $2,448 a month, 37% more than in Sacramento County as a whole ($1,790).

  5. The typical home in Gold River is worth $724,400, 36% more than in Sacramento County as a whole ($534,200).

  6. Nearby, in Carmichael, the typical rent is $1,702: 30% less than in Gold River ($2,448).

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

The homes here

Housing in Gold River

What homes there are in Gold River, 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 Gold River: 84% of homes, more than in Sacramento County (65%).

Year built

Here half of the homes date from 1991 or later; in Sacramento County, from 1981 or later.

There is more room for a big family here: 79% 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

$3,336 a month

Sacramento County: $2,428 a month

Without a mortgage

$966 a month

Sacramento County: $732 a month

Owners with a mortgage

63%

Sacramento County: 69%

In Gold River, 63% of owners have a mortgage, and their typical cost is $3,336 a month, against $2,428 in Sacramento County. Without one it drops to $966.

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

Homes in Gold River gained value more slowly than in Sacramento County: 45% since 2015–2019, against 52%.

Since 2015–2019, the typical rent in Gold River rose 31%, less than in Sacramento County (43%).

To compare: typical income in Gold River rose 47%; the home, +45%; the rent, +31%.

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

MeasureGold RiverSacramento 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 Unreliable estimate6.2%8.2%3.4%
People per household 2.232.752.842.53
Drive alone 57%66%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 36%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Gold River are smaller: 2.23 people on average; in Sacramento County, 2.75.

In Gold River, 36% of workers work from home, more than 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 Gold River?

A typical home costs more than the typical income allows

We start with a typical home in Gold River, worth $724,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Gold River, which is $175,120 a year. For that payment to be 28% of income, a household would need to earn about $256,456 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 Gold River. 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 $25,354 (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

$5,984

at 7.18% · 30 years

Loan amount
$711,279
Total interest
$1,023,364
Paid off in
November 2056

Includes $12,233 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,086 a month

  • Tight

    $4,086 to $5,254 a month

  • Hard

    more than $5,254 a month

    Your payment · 41%

Compared with the typical household income in Gold River ($175,120 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,984
Principal & interest$4,818
Property tax$543
Home insurance$302
FHA mortgage insurance (MIP)$320

You need at least $25,354 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

Gold River and Sacramento County

Gold River 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).

Gold River's own numbers

Typical home value
$724,400
Typical monthly rent
$2,448
Typical yearly household income
$175,120
Households that own their home
87%
Effective property tax rate
0.9%

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 Gold River

A typical home in Gold River is worth $724,400: 36% above the county and about the same as California. With the typical household income in Gold River ($175,120 a year), a typical home costs 4.1 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.

  • Gold River 4.1 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

Gold River 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
  • Gold River $724,400
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Gold River $2,448
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Gold River $175,120
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Gold River next to Sacramento County and California
Measure Gold River Sacramento County California U.S.
Typical home value $724,400 $534,200 $734,700 $332,700
Typical monthly rent $2,448 $1,790 $2,036 $1,413
Typical yearly household income $175,120 $92,175 $99,122 $80,734
Households that own their home 87% 59% 56% 65%
Typical yearly property tax $6,504 $3,921 $5,124 $3,119
Effective property tax rate 0.9% 0.73% 0.7% 0.94%
Renters with high rent for their income 57% 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 Gold River

For a typical $724,400 home in Gold River, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gold River's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,984a month

    Least cash to close
    Down payment
    $25,354
    Cash to close
    $47,086
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $320

  • Conventional, 5% down $5,851a month

    Down payment
    $36,220
    Cash to close
    $57,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $344

  • Conventional, 20% down, no PMI $4,771a month

    Down payment
    $144,880
    Cash to close
    $166,612
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,441a month

    Down payment
    $108,660
    Cash to close
    $130,392
    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 Gold River and for Sacramento County.

Property tax

Effective rate in Gold River

0.9%of the home’s value each year

$6,504 a year for the typical owner in Gold River.

  • Gold River 0.9%
  • 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 Gold River

Typical rent in Gold River is $2,448 a month: 37% above the county. In Gold River, 57% 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 Gold River

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gold River is in ZIP code 95670.

For 2 bedrooms it is $2,170: $31 less than the fair market rent for Sacramento County ($2,201).

  • 95670 $2,170$2,850

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

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Gold River

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

The HUD-approved agencies closest to the center of Gold River, 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 · 6 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 · 10 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 · 13 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 Gold River

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 Gold River

HUD’s record names them for Gold River 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 Gold River, 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 Gold River.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Gold River

Short answers with the numbers for Gold River 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 Gold River?

The typical home value in Gold River is $724,400, 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 Gold River?

Typical rent in Gold River is $2,448 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 Gold River?

Gold River 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 Gold River?

The typical homeowner in Gold River pays $6,504 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).