City · 5,875 residents · Sacramento County, California
Rancho Murieta, California
In Rancho Murieta, a typical home is worth $715,700. Compared with all of Sacramento County, typical household income is 52% higher, the typical home value is 34% higher, and the share of households that own their home is 40 points higher.
Rancho Murieta 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 this place has that others do not, from public data, most unusual first.
1
Rancho Murieta has the highest homeownership rate of the 652 cities in California with more than 5,000 people: 99%.
2
The typical household income in Rancho Murieta is $140,061,52% more than in Sacramento County as a whole ($92,175).
3
Nearby, in Rancho Cordova, the typical home value is $477,600: 33% less than in Rancho Murieta ($715,700).
4
The typical home in Rancho Murieta is worth $715,700,34% more than in Sacramento County as a whole ($534,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rancho Murieta
What homes there are in Rancho Murieta, 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 Murieta
Sacramento County
California
United States
Kind of home: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Sacramento County
California
United States
Detached house
86%
65%
57%
61%
Attached house
Unreliable estimate
6%
7%
6%
Building of 2 to 4
Unreliable estimate
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
19%
24%
19%
Mobile home
Unreliable estimate
2%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Rancho Murieta: 86% of homes, more than in Sacramento County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rancho Murieta
Sacramento County
California
United States
Year built: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Sacramento County
California
United States
Before 1960
Unreliable estimate
20%
27%
26%
1960–1979
Unreliable estimate
29%
29%
24%
1980–1999
60%
29%
25%
25%
2000–2009
17%
15%
11%
14%
2010 or later
6%
7%
8%
11%
Here half of the homes date from 1990 or later; in Sacramento County, from 1981 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K36%
$750K–$1M37%
$1M or moreUnreliable
Value of owner-occupied homes: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
36%
$750K–$1M
37%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,716 a month
Sacramento County: $2,428 a month
Without a mortgage
$994 a month
Sacramento County: $732 a month
Owners with a mortgage
72%
Sacramento County: 69%
Owning costs more in Rancho Murieta: with a mortgage, the typical cost is $2,716 a month; in Sacramento County, $2,428. Without one, $994.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rancho Murieta+51%
Sacramento County+52%
California+46%
United States+53%
Typical household income
Rancho MurietaNo clear change
Sacramento County+37%
California+32%
United States+29%
Change since 2015–2019: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Sacramento County
California
United States
Typical home value
+51%
+52%
+46%
+53%
Typical rent
No data
+43%
+36%
+33%
Typical household income
No clear change
+37%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Rancho Murieta rose at about the same pace as in Sacramento County: 51% against 52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rancho Murieta and its comparisons
Measure
Rancho Murieta
Sacramento County
California
United States
Rental vacancy
Unreliable estimate
4.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
6.2%
8.2%
3.4%
People per household
2.35
2.75
2.84
2.53
Drive alone
76%
66%
66%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
15%
19%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Rancho Murieta are smaller: 2.35 people on average; in Sacramento County, 2.75.
In Rancho Murieta, 76% of workers drive alone to work; in Sacramento County, 66%.
Do the math
What would you pay each month for a home in Rancho Murieta?
A typical home costs more than the typical income allows
We start with a typical home in Rancho Murieta, worth $715,700, 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 Rancho Murieta, which is $140,061 a year. For that payment to be 28% of income, a household would need to earn about $248,264 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 Murieta. 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 $25,050 (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
$5,793
at 7.18% · 30 years
Loan amount
$702,736
Total interest
$1,011,073
Paid off in
November 2056
Includes $12,086 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,268 a month
Tight
$3,268 to $4,202 a month
Hard
more than $4,202 a month
Your payment · 50%
Compared with the typical household income in Rancho Murieta ($140,061 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,761
Property tax
$418
Home insurance
$298
FHA mortgage insurance (MIP)
$317
You need at least $25,050 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 $5,793; principal and interest $4,761.
The city and its county
Rancho Murieta and Sacramento County
Rancho Murieta 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 Murieta
Map of Sacramento County, California, with Rancho Murieta marked. Around it, the neighboring counties.
Rancho Murieta
Sacramento County
Other cities with a page
Rancho Murieta's own numbers
Typical home value
$715,700
Typical yearly household income
$140,061
Households that own their home
99%
Effective property tax rate
0.7%
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 Murieta is worth $715,700: 34% above the county and 3% below California. With the typical household income in Rancho Murieta ($140,061 a year), a typical home costs 5.1 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.
Rancho Murieta5.1 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 Murieta 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 Murieta$715,700
Sacramento$534,200
California$734,700
United States$332,700
Typical yearly household income
Rancho Murieta$140,061
Sacramento$92,175
California$99,122
United States$80,734
See the full table
Rancho Murieta next to Sacramento County and California
Measure
Rancho Murieta
Sacramento County
California
U.S.
Typical home value
$715,700 ▲34% above the county
$534,200
$734,700
$332,700
Typical yearly household income
$140,061 ▲52% above the county
$92,175
$99,122
$80,734
Households that own their home
99% ▲40 points above the county
59%
56%
65%
Typical yearly property tax
$5,042 ▲29% above the county
$3,921
$5,124
$3,119
Effective property tax rate
0.7% ▼0.03 points below the county
0.73%
0.7%
0.94%
“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 Murieta
For a typical $715,700 home in Rancho Murieta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rancho Murieta's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,793a month
Least cash to close
Down payment
$25,050
Cash to close
$46,521
Rate
7.18%
Mortgage insurance
FHA MIP · $317
Conventional, 5% down$5,662a month
Down payment
$35,785
Cash to close
$57,256
Rate
7.18%
Mortgage insurance
PMI · $340
Conventional, 20% down, no PMI$4,594a month
Down payment
$143,140
Cash to close
$164,611
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,256a month
Down payment
$107,355
Cash to close
$128,826
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rancho Murieta
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,793
$25,050
$702,737
7.18%
FHA MIP · $317
$46,521
580
Conventional, 5% down
$5,662
$35,785
$679,915
7.18%
PMI · $340
$57,256
620*
Conventional, 20% down, no PMI
$4,594
$143,140
$572,560
7.18%
None
$164,611
620*
ITIN, 15% down (example)
$5,256
$107,355
$608,345
8.18%
None
$128,826
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.
The Census Bureau publishes no typical rent for Rancho Murieta. Below are the fair market rents for Sacramento County.
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 Murieta
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rancho Murieta is in ZIP code 95683.
For 2 bedrooms it is $3,040: $839 more than the fair market rent for Sacramento County ($2,201).
Fair market rent by ZIP code and size in Rancho Murieta, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95683
$2,350
$2,470
$3,040
$4,050
$4,660
ZIP code2 bd3 bd
95683 $3,040$4,050
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rancho Murieta 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)
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 Murieta or Sacramento County. The ones below are statewide in California: they work in Rancho Murieta 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 Murieta, 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 Murieta
HUD’s record names them for Rancho Murieta 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 Murieta 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 Murieta 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 Murieta?
The typical home value in Rancho Murieta is $715,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sacramento County it is $534,200.
What is the FHA loan limit in Rancho Murieta?
Rancho Murieta 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 Murieta?
The typical homeowner in Rancho Murieta pays $5,042 a year, according to the U.S. Census Bureau. That is 0.7% 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 Murieta?
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.
