City · 528,706 residents · Sacramento County, California
Sacramento, California
In Sacramento, a typical home is worth $506,300 and typical rent is $1,779 a month. Compared with all of Sacramento County, typical household income is 5% lower, the typical home value is 5% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $461,034 to $470,552.
Typical rent
$2,045a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,784 to $2,045.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sacramento 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
Nearby, in Lemon Hill, the typical home value is $349,900: 31% less than in Sacramento ($506,300).
2
Nearby, in Lemon Hill, the typical rent is $1,421: 20% less than in Sacramento ($1,779).
3
52% of households in Sacramento own their home, against 59% in Sacramento County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sacramento
What homes there are in Sacramento, 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
Sacramento
Sacramento County
California
United States
Kind of home: Sacramento and its comparisons
Measure
Sacramento
Sacramento County
California
United States
Detached house
59%
65%
57%
61%
Attached house
7%
6%
7%
6%
Building of 2 to 4
9%
7%
8%
8%
Apartments (5 or more)
24%
19%
24%
19%
Mobile home
2%
2%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Sacramento, 6 in 10 homes are single-family detached houses; in Sacramento County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sacramento
Sacramento County
California
United States
Year built: Sacramento and its comparisons
Measure
Sacramento
Sacramento County
California
United States
Before 1960
30%
20%
27%
26%
1960–1979
24%
29%
29%
24%
1980–1999
23%
29%
25%
25%
2000–2009
15%
15%
11%
14%
2010 or later
8%
7%
8%
11%
The typical home in Sacramento was built in 1977, 4 years before the typical one in Sacramento County.
Homes in Sacramento are smaller: 53% have 3 bedrooms or more; in Sacramento County, 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K3%
$200K–$300K4%
$300K–$500K38%
$500K–$750K33%
$750K–$1M12%
FHA limit: $764,750
$1M or more6%
Value of owner-occupied homes: Sacramento and its comparisons
Measure
Sacramento
Under $100K
4%
$100K–$200K
3%
$200K–$300K
4%
$300K–$500K
38%
$500K–$750K
33%
$750K–$1M
12%
$1M or more
6%
By price, most homes in Sacramento sit under the FHA limit for Sacramento County ($764,750): about 83%.
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$9998%
$1,000–$1,49920%
$1,500–$1,99931%
$2,000–$2,49922%
HUD fair market rent, 2 bedrooms: $2,201
$2,500–$2,9999%
$3,000 or more5%
Monthly rent with utilities: Sacramento and its comparisons
Measure
Sacramento
Under $500
4%
$500–$999
8%
$1,000–$1,499
20%
$1,500–$1,999
31%
$2,000–$2,499
22%
$2,500–$2,999
9%
$3,000 or more
5%
About 72% of rented homes in Sacramento cost less than HUD's 2-bedroom fair market rent for Sacramento County ($2,201).
With a mortgage
$2,380 a month
Sacramento County: $2,428 a month
Without a mortgage
$697 a month
Sacramento County: $732 a month
Owners with a mortgage
69%
Sacramento County: 69%
Owning costs about the same in Sacramento as in Sacramento County: with a mortgage, $2,380 a month; without one, $697.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sacramento+50%
Sacramento County+52%
California+46%
United States+53%
Typical rent
Sacramento+41%
Sacramento County+43%
California+36%
United States+33%
Typical household income
Sacramento+40%
Sacramento County+37%
California+32%
United States+29%
Change since 2015–2019: Sacramento and its comparisons
Measure
Sacramento
Sacramento County
California
United States
Typical home value
+50%
+52%
+46%
+53%
Typical rent
+41%
+43%
+36%
+33%
Typical household income
+40%
+37%
+32%
+29%
Much as in Sacramento County, the typical home value in Sacramento rose 50% since 2015–2019.
The typical rent in Sacramento rose 41% since 2015–2019, about the same as in Sacramento County (43%).
While home values in Sacramento changed +50% and rent +41%, the typical household income rose 40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sacramento and its comparisons
Measure
Sacramento
Sacramento County
California
United States
Rental vacancy
4.7%
4.2%
4.2%
5.5%
Homeowner vacancy
0.5%
0.6%
0.8%
0.9%
More than one person per room
6.0%
6.2%
8.2%
3.4%
People per household
2.59
2.75
2.84
2.53
Drive alone
64%
66%
66%
69%
Carpool
9%
9%
10%
9%
Public transit
2%
1%
3%
3%
Walk or bike
4%
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
Open rentals in Sacramento look like those in Sacramento County: the rental vacancy rate is 4.7%.
In Sacramento, 6.0% of households live with more than one person per room, about the same as in Sacramento County.
Fewer people live in each home here: 2.59 on average, against 2.75 in Sacramento County.
In Sacramento, 64% of workers drive alone to work; in Sacramento County, 66%.
Do the math
What would you pay each month for a home in Sacramento?
A typical home costs more than the typical income allows
We start with a typical home in Sacramento, worth $506,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Sacramento, which is $87,321 a year. For that payment to be 28% of income, a household would need to earn about $176,712 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 Sacramento. 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 $17,721 (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
$4,123
at 7.18% · 30 years
Loan amount
$497,129
Total interest
$715,252
Paid off in
November 2056
Includes $8,550 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,037 a month
Tight
$2,037 to $2,620 a month
Hard
more than $2,620 a month
Your payment · 57%
Compared with the typical household income in Sacramento ($87,321 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,368
Property tax
$321
Home insurance
$211
FHA mortgage insurance (MIP)
$224
You need at least $17,721 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 $4,123; principal and interest $3,368.
The city and its county
Sacramento and Sacramento County
Sacramento 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).
Sacramento
Map of Sacramento County, California, with Sacramento marked. Around it, the neighboring counties.
Sacramento
Sacramento County
Other cities with a page
Sacramento's own numbers
Typical home value
$506,300
Typical monthly rent
$1,779
Typical yearly household income
$87,321
Households that own their home
52%
Effective property tax rate
0.76%
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 Sacramento is worth $506,300: 5% below the county and 31% below California. With the typical household income in Sacramento ($87,321 a year), a typical home costs 5.8 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.
Sacramento5.8 years
County5.8 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
Sacramento 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
Sacramento$506,300
County$534,200
California$734,700
United States$332,700
Typical monthly rent
Sacramento$1,779
County$1,790
California$2,036
United States$1,413
Typical yearly household income
Sacramento$87,321
County$92,175
California$99,122
United States$80,734
See the full table
Sacramento next to Sacramento County and California
Measure
Sacramento
Sacramento County
California
U.S.
Typical home value
$506,300 ▼5% below the county
$534,200
$734,700
$332,700
Typical monthly rent
$1,779
$1,790
$2,036
$1,413
Typical yearly household income
$87,321 ▼5% below the county
$92,175
$99,122
$80,734
Households that own their home
52% ▼7 points below the county
59%
56%
65%
Typical yearly property tax
$3,842 ▼2% below the county
$3,921
$5,124
$3,119
Effective property tax rate
0.76% ▲0.03 points above the county
0.73%
0.7%
0.94%
Renters with high rent for their income
56%
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 Sacramento
For a typical $506,300 home in Sacramento, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sacramento's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,123a month
Least cash to close
Down payment
$17,721
Cash to close
$32,910
Rate
7.18%
Mortgage insurance
FHA MIP · $224
Conventional, 5% down$4,030a month
Down payment
$25,315
Cash to close
$40,504
Rate
7.18%
Mortgage insurance
PMI · $240
Conventional, 20% down, no PMI$3,275a month
Down payment
$101,260
Cash to close
$116,449
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,744a month
Down payment
$75,945
Cash to close
$91,134
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sacramento
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,123
$17,721
$497,130
7.18%
FHA MIP · $224
$32,910
580
Conventional, 5% down
$4,030
$25,315
$480,985
7.18%
PMI · $240
$40,504
620*
Conventional, 20% down, no PMI
$3,275
$101,260
$405,040
7.18%
None
$116,449
620*
ITIN, 15% down (example)
$3,744
$75,945
$430,355
8.18%
None
$91,134
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 Sacramento is $1,779 a month: about the same as the county. In Sacramento, 56% 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 Sacramento
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sacramento has 17 ZIP codes with their own.
For 2 bedrooms it runs from $1,750 in 95824 to $2,700 in 95835.
7 of the 17 are above the fair market rent for Sacramento County ($2,201).
2-bedroom fair market rent in each of the 17 ZIP codes of Sacramento, beside the one for Sacramento County. For 2 bedrooms it runs from $1,750 in 95824 to $2,700 in 95835. 7 of the 17 are above the fair market rent for Sacramento County ($2,201).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,201
Lowest: $1,750 (95824)Highest: $2,700 (95835)
Fair market rent by ZIP code and size in Sacramento, fiscal year 2027.
95811
$1,850
$1,910
$2,340
$3,070
$3,540
95814
$1,700
$1,750
$2,150
$2,820
$3,250
95815
$1,460
$1,510
$1,850
$2,430
$2,800
95816
$2,080
$2,140
$2,630
$3,450
$3,980
95817
$1,570
$1,620
$1,990
$2,610
$3,010
95818
$1,960
$2,020
$2,480
$3,250
$3,750
95819
$1,990
$2,050
$2,510
$3,290
$3,800
95820
$1,540
$1,580
$1,940
$2,540
$2,930
95822
$1,620
$1,670
$2,050
$2,690
$3,100
95823
$1,530
$1,570
$1,930
$2,530
$2,920
95824
$1,380
$1,430
$1,750
$2,300
$2,650
95826
$1,690
$1,740
$2,140
$2,810
$3,240
95831
$1,950
$2,000
$2,460
$3,230
$3,720
95833
$1,900
$1,960
$2,400
$3,150
$3,630
95834
$1,730
$1,780
$2,190
$2,870
$3,310
95835
$2,140
$2,200
$2,700
$3,540
$4,080
95838
$1,620
$1,670
$2,050
$2,690
$3,100
ZIP code2 bd3 bd
95811 $2,340$3,070
95814 $2,150$2,820
95815 $1,850$2,430
95816 $2,630$3,450
95817 $1,990$2,610
95818 $2,480$3,250
95819 $2,510$3,290
95820 $1,940$2,540
95822 $2,050$2,690
95823 $1,930$2,530
95824 $1,750$2,300
95826 $2,140$2,810
95831 $2,460$3,230
95833 $2,400$3,150
95834 $2,190$2,870
95835 $2,700$3,540
95838 $2,050$2,690
7 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sacramento 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 175 buildings with rents for lower incomes in Sacramento. These are the largest.
Logan Park Apts4241 Palm Ave, Sacramento 95842661 homes, 657 low-income · 1 bd: 184 · 2 bd: 477 · In service since 2009
Greenfair Apts701 Fairgrounds Dr, Sacramento 95817387 homes, 385 low-income · 1 bd: 348 · 2 bd: 38 · In service since 2001
Marina Vista49 Seavey Cir, Sacramento 95818391 homes, 381 low-income · Run by City of Sacramento Housing Authority · Average payment: $536 a month · Average wait: 40 months(916) 440-1319
Alder Grove2515 Kit Carson St, Sacramento 95818360 homes, 355 low-income · Run by City of Sacramento Housing Authority · Average payment: $445 a month · Average wait: 38 months(916) 440-1319
Point Natomas Apts801 San Juan Rd, Sacramento 95834337 homes, 335 low-income · 1 bd: 82 · 2 bd: 255 · In service since 2008
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 Sacramento or Sacramento County. The ones below are statewide in California: they work in Sacramento 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).
No legal help resource on our list is for Sacramento 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 Sacramento 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 Sacramento?
The typical home value in Sacramento is $506,300, 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 Sacramento?
Typical rent in Sacramento is $1,779 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 Sacramento?
Sacramento 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 Sacramento?
The typical homeowner in Sacramento pays $3,842 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Sacramento County, the rate is 0.73%.
Where can I find free help to buy or rent in Sacramento?
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.
