City · 81,849 residents · Sacramento County, California
Rancho Cordova, California
In Rancho Cordova, a typical home is worth $477,600 and typical rent is $1,787 a month. Compared with all of Sacramento County, the typical home value is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $517,662 to $528,888.
Typical rent
$2,412a month
▲ 2.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,062 to $2,412.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rancho Cordova 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
What homes there are in Rancho Cordova, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rancho Cordova
Sacramento County
California
United States
Kind of home: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Sacramento County
California
United States
Detached house
62%
65%
57%
61%
Attached house
8%
6%
7%
6%
Building of 2 to 4
6%
7%
8%
8%
Apartments (5 or more)
20%
19%
24%
19%
Mobile home
4%
2%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Rancho Cordova (62%), but less so than in Sacramento County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Rancho Cordova
Sacramento County
California
United States
Year built: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Sacramento County
California
United States
Before 1960
13%
20%
27%
26%
1960–1979
39%
29%
29%
24%
1980–1999
18%
29%
25%
25%
2000–2009
17%
15%
11%
14%
2010 or later
13%
7%
8%
11%
The typical year built in Rancho Cordova is 1979, about the same as in Sacramento County (1981).
By size, homes in Rancho Cordova look like those in Sacramento County: 64% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K7%
$100K–$200K3%
$200K–$300K5%
$300K–$500K41%
$500K–$750K36%
$750K–$1M7%
FHA limit: $764,750
$1M or more2%
Value of owner-occupied homes: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Under $100K
7%
$100K–$200K
3%
$200K–$300K
5%
$300K–$500K
41%
$500K–$750K
36%
$750K–$1M
7%
$1M or more
2%
About 92% of owner-occupied homes in Rancho Cordova are worth less than the FHA loan limit for Sacramento County ($764,750).
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$9993%
$1,000–$1,49922%
$1,500–$1,99936%
$2,000–$2,49922%
HUD fair market rent, 2 bedrooms: $2,201
$2,500–$2,9997%
$3,000 or more5%
Monthly rent with utilities: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Under $500
4%
$500–$999
3%
$1,000–$1,499
22%
$1,500–$1,999
36%
$2,000–$2,499
22%
$2,500–$2,999
7%
$3,000 or more
5%
HUD's 2-bedroom fair market rent (FMR) for Sacramento County is $2,201; about 74% of rents in Rancho Cordova are below it.
With a mortgage
$2,350 a month
Sacramento County: $2,428 a month
Without a mortgage
$661 a month
Sacramento County: $732 a month
Owners with a mortgage
72%
Sacramento County: 69%
The typical cost for an owner with a mortgage in Rancho Cordova is $2,350 a month, near the figure in Sacramento County ($2,428).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rancho Cordova+59%
Sacramento County+52%
California+46%
United States+53%
Typical rent
Rancho Cordova+47%
Sacramento County+43%
California+36%
United States+33%
Typical household income
Rancho Cordova+37%
Sacramento County+37%
California+32%
United States+29%
Change since 2015–2019: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Sacramento County
California
United States
Typical home value
+59%
+52%
+46%
+53%
Typical rent
+47%
+43%
+36%
+33%
Typical household income
+37%
+37%
+32%
+29%
The typical home value in Rancho Cordova rose 59% since 2015–2019, more than in Sacramento County (52%).
Rents in Rancho Cordova rose faster than in Sacramento County: 47% since 2015–2019, against 43%.
Housing prices ran ahead of income in Rancho Cordova: typical income rose 37%, against +59% for home values and +47% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rancho Cordova and its comparisons
Measure
Rancho Cordova
Sacramento County
California
United States
Rental vacancy
3.2%
4.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
6.4%
6.2%
8.2%
3.4%
People per household
2.88
2.75
2.84
2.53
Drive alone
65%
66%
66%
69%
Carpool
10%
9%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
20%
19%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Rancho Cordova, the rental vacancy rate is 3.2%; in Sacramento County, 4.2%.
In Rancho Cordova, 6.4% of households live with more than one person per room, about the same as in Sacramento County.
By size, households in Rancho Cordova look like those in Sacramento County: 2.88 people on average.
To get to work, 65% of workers in Rancho Cordova drive alone; in Sacramento County, 66%.
Do the math
What would you pay each month for a home in Rancho Cordova?
A typical home costs more than the typical income allows
We start with a typical home in Rancho Cordova, worth $477,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Rancho Cordova, which is $89,585 a year. For that payment to be 28% of income, a household would need to earn about $167,548 a year.
The calculator's FHA and conventional loan limits are those of all of Sacramento County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rancho Cordova. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,716 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,909
at 7.18% · 30 years
Loan amount
$468,949
Total interest
$674,708
Paid off in
November 2056
Includes $8,065 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,090 a month
Tight
$2,090 to $2,688 a month
Hard
more than $2,688 a month
Your payment · 52%
Compared with the typical household income in Rancho Cordova ($89,585 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,177
Property tax
$322
Home insurance
$199
FHA mortgage insurance (MIP)
$211
You need at least $16,716 for the down payment, plus closing costs.
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.
Total monthly payment $3,909; principal and interest $3,177.
The city and its county
Rancho Cordova and Sacramento County
Rancho Cordova 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).
Rancho Cordova
Map of Sacramento County, California, with Rancho Cordova marked. Around it, the neighboring counties.
Rancho Cordova
Sacramento County
Other cities with a page
Rancho Cordova's own numbers
Typical home value
$477,600
Typical monthly rent
$1,787
Typical yearly household income
$89,585
Households that own their home
58%
Effective property tax rate
0.81%
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.
A typical home in Rancho Cordova is worth $477,600: 11% below the county and 35% below California. With the typical household income in Rancho Cordova ($89,585 a year), a typical home costs 5.3 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.
Rancho Cordova5.3 years
Sacramento5.8 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Sacramento County, 2016 to 2025
2016: +9.5% +9.5% 2016
2017: +9.7% +9.7% 2017
2018: +6.8% +6.8% 2018
2019: +4.4% +4.4% 2019
2020: +4.4% +4.4% 2020
2021: +16.0% +16.0% 2021
2022: +14.3% +14.3% 2022
2023: −0.9% −0.9% 2023
2024: +3.6% +3.6% 2024
2025: +0.6% +0.6% 2025
Change in FHFA’s price index in Sacramento County, California and the United States
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
Rancho Cordova 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
Rancho Cordova$477,600
Sacramento$534,200
California$734,700
United States$332,700
Typical monthly rent
Rancho Cordova$1,787
Sacramento$1,790
California$2,036
United States$1,413
Typical yearly household income
Rancho Cordova$89,585
Sacramento$92,175
California$99,122
United States$80,734
See the full table
Rancho Cordova next to Sacramento County and California
Measure
Rancho Cordova
Sacramento County
California
U.S.
Typical home value
$477,600 ▼11% below the county
$534,200
$734,700
$332,700
Typical monthly rent
$1,787
$1,790
$2,036
$1,413
Typical yearly household income
$89,585 ▼3% below the county
$92,175
$99,122
$80,734
Households that own their home
58% ▼1 points below the county
59%
56%
65%
Typical yearly property tax
$3,888
$3,921
$5,124
$3,119
Effective property tax rate
0.81% ▲0.08 points above the county
0.73%
0.7%
0.94%
Renters with high rent for their income
53% ▼3 points below the county
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 Rancho Cordova
For a typical $477,600 home in Rancho Cordova, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rancho Cordova's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,909a month
Least cash to close
Down payment
$16,716
Cash to close
$31,044
Rate
7.18%
Mortgage insurance
FHA MIP · $211
Conventional, 5% down$3,822a month
Down payment
$23,880
Cash to close
$38,208
Rate
7.18%
Mortgage insurance
PMI · $227
Conventional, 20% down, no PMI$3,110a month
Down payment
$95,520
Cash to close
$109,848
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,551a month
Down payment
$71,640
Cash to close
$85,968
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rancho Cordova
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,909
$16,716
$468,949
7.18%
FHA MIP · $211
$31,044
580
Conventional, 5% down
$3,822
$23,880
$453,720
7.18%
PMI · $227
$38,208
620*
Conventional, 20% down, no PMI
$3,110
$95,520
$382,080
7.18%
None
$109,848
620*
ITIN, 15% down (example)
$3,551
$71,640
$405,960
8.18%
None
$85,968
Set by the lender
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.
Typical rent in Rancho Cordova is $1,787 a month: about the same as the county. In Rancho Cordova, 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sacramento County (Fiscal year 2027)
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 Rancho Cordova
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rancho Cordova has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,170 in 95670 to $3,100 in 95742.
1 of the 2 is above the fair market rent for Sacramento County ($2,201).
Fair market rent by ZIP code and size in Rancho Cordova, fiscal year 2027.
95670
$1,720
$1,770
$2,170
$2,850
$3,280
95742
$2,450
$2,530
$3,100
$4,070
$4,690
ZIP code2 bd3 bd
95670 $2,170$2,850
95742 $3,100$4,070
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rancho Cordova 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 8 buildings with rents for lower incomes in Rancho Cordova. These are the largest.
Cordova Meadows Apts2312 Sierra Madre Ct, Rancho Cordova 95670184 homes, 183 low-income · 1 bd: 20 · 2 bd: 102 · 3 bd: 50 · 4 bd: 12 · In service since 1997 · For families
Rancho Cordova Apts10685 Coloma Rd, Rancho Cordova 9567095 homes, 91 low-income · 1 bd: 11 · 2 bd: 43 · 3 bd: 38 · In service since 2002 · For families
Mather Veterans Village3615 Bleckely St, Rancho Cordova 9565550 low-income homes · 1 bd: 44 · 2 bd: 6 · In service since 2016 · For people with disabilities, people experiencing homelessness
Mather Veterans Village Phase III3607 Bleckely St, Rancho Cordova 9565550 low-income homes · 1 bd: 44 · 2 bd: 6 · In service since 2019 · For people experiencing homelessness
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.
No down payment, repair or rent-help program on our list is for Rancho Cordova or Sacramento County. The ones below are statewide in California: they work in Rancho Cordova the same as in the rest of the state.
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).
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).
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).
The HUD-approved agencies closest to the center of Rancho Cordova, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
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 Rancho Cordova
HUD’s record names them for Rancho Cordova or Sacramento County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
County of Sacramento Housing AuthorityPublic housing and Section 8 vouchers(916) 440-1319
No legal help resource on our list is for Rancho Cordova or Sacramento County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rancho Cordova 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 Rancho Cordova?
The typical home value in Rancho Cordova is $477,600, 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 Rancho Cordova?
Typical rent in Rancho Cordova is $1,787 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 Rancho Cordova?
Rancho Cordova 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 Rancho Cordova?
The typical homeowner in Rancho Cordova pays $3,888 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Sacramento County, the rate is 0.73%.
Where can I find free help to buy or rent in Rancho Cordova?
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.
