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City · 35,958 residents · Sacramento County, California

Orangevale , California

In Orangevale, a typical home is worth $565,100 and typical rent is $1,932 a month. Compared with all of Sacramento County, typical household income is 8% higher, typical rent is 8% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $565,100

    6% above the county

    23% below California

    • Orangevale
    • Sacramento
    • California

  • Typical rent

    $1,932a month

    8% above the county

    5% below California

    • Orangevale
    • Sacramento
    • California

  • Typical household income

    $99,832a year

    8% above the county

    About the same as California

    • Orangevale
    • Sacramento
    • California

  • Households that own their home

    75%

    16 points above the county

    20 points above California

    • Orangevale
    • Sacramento
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$552,249
0.8% more than 12 months ago
Typical rent
$2,220 a month
7.4% more than 12 months ago

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

Orangevale 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 Orangevale apart

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

  1. 75% of households in Orangevale own their home, against 59% in Sacramento County.

  2. Nearby, in Citrus Heights, the typical home value is $454,600: 20% less than in Orangevale ($565,100).

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

The homes here

Housing in Orangevale

What homes there are in Orangevale, 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

Detached houses, standing on their own, make up 81% of homes here, against 65% in Sacramento County.

Year built

Homes in Orangevale are older: the typical year built is 1976; in Sacramento County, 1981.

There is more room for a big family here: 78% 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

The FHA loan limit for Sacramento County is $764,750, and about 82% of owner-occupied homes in Orangevale are worth less than that.

Monthly rent with utilities

With a mortgage

$2,404 a month

Sacramento County: $2,428 a month

Without a mortgage

$735 a month

Sacramento County: $732 a month

Owners with a mortgage

68%

Sacramento County: 69%

The typical cost for an owner with a mortgage in Orangevale is $2,404 a month, near the figure in Sacramento County ($2,428).

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, home values in Orangevale rose at about the same pace as in Sacramento County: 52% against 52%.

Rents in Orangevale rose more slowly than in Sacramento County: 32% since 2015–2019, against 43%.

Here income did not keep up with housing: it rose 22%, while home values changed +52% and rent +32%.

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

MeasureOrangevaleSacramento 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 69%66%66%69%
Carpool 8%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 19%19%17%15%
Other means 3%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer households are short on space in Orangevale: 2.4% have more than one person per room; in Sacramento County, 6.2%.

By size, households in Orangevale look like those in Sacramento County: 2.64 people on average.

To get to work, 69% of workers in Orangevale drive alone; in Sacramento County, 66%.

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 Orangevale?

A typical home costs more than the typical income allows

We start with a typical home in Orangevale, worth $565,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Orangevale, which is $99,832 a year. For that payment to be 28% of income, a household would need to earn about $195,418 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 Orangevale. 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 $19,779 (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

$4,560

at 7.18% · 30 years

Loan amount
$554,864
Total interest
$798,319
Paid off in
November 2056

Includes $9,543 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,329 a month

  • Tight

    $2,329 to $2,995 a month

  • Hard

    more than $2,995 a month

    Your payment · 55%

Compared with the typical household income in Orangevale ($99,832 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,560
Principal & interest$3,759
Property tax$316
Home insurance$236
FHA mortgage insurance (MIP)$250

You need at least $19,779 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

Orangevale and Sacramento County

Orangevale 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).

Orangevale's own numbers

Typical home value
$565,100
Typical monthly rent
$1,932
Typical yearly household income
$99,832
Households that own their home
75%
Effective property tax rate
0.67%

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 Orangevale

A typical home in Orangevale is worth $565,100: 6% above the county and 23% below California. With the typical household income in Orangevale ($99,832 a year), a typical home costs 5.7 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.

  • Orangevale 5.7 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

Orangevale 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
  • Orangevale $565,100
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Orangevale $1,932
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Orangevale $99,832
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Orangevale next to Sacramento County and California
Measure Orangevale Sacramento County California U.S.
Typical home value $565,100 $534,200 $734,700 $332,700
Typical monthly rent $1,932 $1,790 $2,036 $1,413
Typical yearly household income $99,832 $92,175 $99,122 $80,734
Households that own their home 75% 59% 56% 65%
Typical yearly property tax $3,812 $3,921 $5,124 $3,119
Effective property tax rate 0.67% 0.73% 0.7% 0.94%
Renters with high rent for their income 60% 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 Orangevale

For a typical $565,100 home in Orangevale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orangevale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,560a month

    Least cash to close
    Down payment
    $19,779
    Cash to close
    $36,732
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $250

  • Conventional, 5% down $4,456a month

    Down payment
    $28,255
    Cash to close
    $45,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $268

  • Conventional, 20% down, no PMI $3,614a month

    Down payment
    $113,020
    Cash to close
    $129,973
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,136a month

    Down payment
    $84,765
    Cash to close
    $101,718
    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 Orangevale and for Sacramento County.

Property tax

Effective rate in Orangevale

0.67%of the home’s value each year

$3,812 a year for the typical owner in Orangevale.

  • Orangevale 0.67%
  • 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 Orangevale

Typical rent in Orangevale is $1,932 a month: 8% above the county. In Orangevale, 60% 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 Orangevale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orangevale is in ZIP code 95662.

For 2 bedrooms it is $2,330: $129 more than the fair market rent for Sacramento County ($2,201).

  • 95662 $2,330$3,060

A ZIP code counts for Orangevale 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 Orangevale

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 Orangevale

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

The HUD-approved agencies closest to the center of Orangevale, 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 · 11 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 · 12 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 · 16 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 Orangevale

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 Orangevale

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

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Orangevale

Short answers with the numbers for Orangevale 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 Orangevale?

The typical home value in Orangevale is $565,100, 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 Orangevale?

Typical rent in Orangevale is $1,932 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 Orangevale?

Orangevale 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 Orangevale?

The typical homeowner in Orangevale pays $3,812 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Sacramento County, the rate is 0.73%.

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

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).