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City · 11,492 residents · Sacramento County, California

La Riviera , California

In La Riviera, a typical home is worth $459,200 and typical rent is $1,849 a month. Compared with all of Sacramento County, the typical home value is 14% lower and typical household income is 6% higher.

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  • Typical home value

    $459,200

    14% below the county

    37% below California

    • La Riviera
    • Sacramento
    • California

  • Typical rent

    $1,849a month

    3% above the county

    9% below California

    • La Riviera
    • Sacramento
    • California

  • Typical household income

    $97,975a year

    6% above the county

    About the same as California

    • La Riviera
    • Sacramento
    • California

  • Households that own their home

    61%

    2 points above the county

    5 points above California

    • La Riviera
    • Sacramento
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$466,797
about the same as 12 months ago
Typical rent
$2,155 a month
2.5% more than 12 months ago

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

La Riviera 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 La Riviera apart

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

  1. Nearby, in Fruitridge Pocket, the typical home value is $362,200: 21% less than in La Riviera ($459,200).

  2. Nearby, in Fruitridge Pocket, the typical rent is $1,473: 20% less than in La Riviera ($1,849).

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

The homes here

Housing in La Riviera

What homes there are in La Riviera, 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 is still the most common home in La Riviera, but it weighs less than in Sacramento County: 60% against 65%.

Year built

The typical home in La Riviera was built in 1975, 6 years before the typical one 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

$2,034 a month

Sacramento County: $2,428 a month

Without a mortgage

$582 a month

Sacramento County: $732 a month

Owners with a mortgage

69%

Sacramento County: 69%

The typical cost for an owner with a mortgage in La Riviera is $2,034 a month, less than in Sacramento County ($2,428); without one, $582.

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 La Riviera rose 58% since 2015–2019, more than in Sacramento County (52%).

Since 2015–2019, the typical rent in La Riviera rose 36%, less than in Sacramento County (43%).

The typical household income in La Riviera rose 52% over that time; home values changed +58% and rent +36%.

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

MeasureLa RivieraSacramento 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 2.602.752.842.53
Drive alone 60%66%66%69%
Carpool 11%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 3%2%3%3%
Work from home 25%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 La Riviera are smaller: 2.60 people on average; in Sacramento County, 2.75.

Many people here do not commute at all: 25% 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 La Riviera?

A typical home costs more than the typical income allows

We start with a typical home in La Riviera, worth $459,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in La Riviera, which is $97,975 a year. For that payment to be 28% of income, a household would need to earn about $159,453 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 La Riviera. 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 $16,072 (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

$3,721

at 7.18% · 30 years

Loan amount
$450,883
Total interest
$648,714
Paid off in
November 2056

Includes $7,755 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,286 a month

  • Tight

    $2,286 to $2,939 a month

  • Hard

    more than $2,939 a month

    Your payment · 46%

Compared with the typical household income in La Riviera ($97,975 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,721
Principal & interest$3,054
Property tax$272
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,072 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

La Riviera and Sacramento County

La Riviera 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).

La Riviera's own numbers

Typical home value
$459,200
Typical monthly rent
$1,849
Typical yearly household income
$97,975
Households that own their home
61%
Effective property tax rate
0.71%

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 La Riviera

A typical home in La Riviera is worth $459,200: 14% below the county and 37% below California. With the typical household income in La Riviera ($97,975 a year), a typical home costs 4.7 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.

  • La Riviera 4.7 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

La Riviera 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
  • La Riviera $459,200
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • La Riviera $1,849
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • La Riviera $97,975
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
La Riviera next to Sacramento County and California
Measure La Riviera Sacramento County California U.S.
Typical home value $459,200 $534,200 $734,700 $332,700
Typical monthly rent $1,849 $1,790 $2,036 $1,413
Typical yearly household income $97,975 $92,175 $99,122 $80,734
Households that own their home 61% 59% 56% 65%
Typical yearly property tax $3,275 $3,921 $5,124 $3,119
Effective property tax rate 0.71% 0.73% 0.7% 0.94%
Renters with high rent for their income 54% 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 La Riviera

For a typical $459,200 home in La Riviera, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, La Riviera's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,721a month

    Least cash to close
    Down payment
    $16,072
    Cash to close
    $29,848
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,636a month

    Down payment
    $22,960
    Cash to close
    $36,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,952a month

    Down payment
    $91,840
    Cash to close
    $105,616
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,376a month

    Down payment
    $68,880
    Cash to close
    $82,656
    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 La Riviera and for Sacramento County.

Property tax

Effective rate in La Riviera

0.71%of the home’s value each year

$3,275 a year for the typical owner in La Riviera.

  • La Riviera 0.71%
  • 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 La Riviera

Typical rent in La Riviera is $1,849 a month: 3% above the county. In La Riviera, 54% 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 La Riviera

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

For 2 bedrooms it runs from $2,140 in 95826 to $2,250 in 95827.

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

  • 95826 $2,140$2,810
  • 95827 $2,250$2,950

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for La Riviera 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 La Riviera

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in La Riviera

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

The HUD-approved agencies closest to the center of La Riviera, 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 · 1 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 · 6 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 · 6 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 La Riviera

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 La Riviera

HUD’s record names them for La Riviera 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 La Riviera, 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 La Riviera.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about La Riviera

Short answers with the numbers for La Riviera 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 La Riviera?

The typical home value in La Riviera is $459,200, 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 La Riviera?

Typical rent in La Riviera is $1,849 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 La Riviera?

La Riviera 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 La Riviera?

The typical homeowner in La Riviera pays $3,275 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).