City · 102,596 residents · Solano County, California
Vacaville, California
In Vacaville, a typical home is worth $620,900 and typical rent is $2,299 a month. Compared with all of Solano County, typical household income is 11% higher and typical rent is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $583,496 to $600,979.
Typical rent
$2,627a month
▲ 2.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,344 to $2,627.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Vacaville is in Solano County. The FHA loan limit ($685,400 for a one-unit home), the fair market rents and the help on this page are those of all of Solano County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Winters, the typical rent is $1,568: 32% less than in Vacaville ($2,299).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Vacaville
What homes there are in Vacaville, 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
Vacaville
Solano County
California
United States
Kind of home: Vacaville and its comparisons
Measure
Vacaville
Solano County
California
United States
Detached house
72%
72%
57%
61%
Attached house
3%
5%
7%
6%
Building of 2 to 4
7%
7%
8%
8%
Apartments (5 or more)
14%
14%
24%
19%
Mobile home
3%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Solano County, most homes in Vacaville are detached houses (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Vacaville
Solano County
California
United States
Year built: Vacaville and its comparisons
Measure
Vacaville
Solano County
California
United States
Before 1960
8%
17%
27%
26%
1960–1979
32%
29%
29%
24%
1980–1999
39%
36%
25%
25%
2000–2009
11%
12%
11%
14%
2010 or later
11%
7%
8%
11%
The typical year built in Vacaville is 1985, about the same as in Solano County (1982).
In Vacaville, 71% of homes have 3 bedrooms or more, more than in Solano County (67%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K2%
$200K–$300KUnreliable
$300K–$500K17%
$500K–$750K56%
$750K–$1M17%
$1M or more5%
Value of owner-occupied homes: Vacaville and its comparisons
Measure
Vacaville
Under $100K
3%
$100K–$200K
2%
$200K–$300K
Unreliable estimate
$300K–$500K
17%
$500K–$750K
56%
$750K–$1M
17%
$1M or more
5%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9994%
$1,000–$1,4998%
$1,500–$1,99920%
$2,000–$2,49926%
$2,500–$2,99921%
$3,000 or more19%
Monthly rent with utilities: Vacaville and its comparisons
Measure
Vacaville
Under $500
Unreliable estimate
$500–$999
4%
$1,000–$1,499
8%
$1,500–$1,999
20%
$2,000–$2,499
26%
$2,500–$2,999
21%
$3,000 or more
19%
With a mortgage
$2,796 a month
Solano County: $2,746 a month
Without a mortgage
$788 a month
Solano County: $765 a month
Owners with a mortgage
74%
Solano County: 72%
Owning costs about the same in Vacaville as in Solano County: with a mortgage, $2,796 a month; without one, $788.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Vacaville+47%
Solano County+52%
California+46%
United States+53%
Typical rent
Vacaville+40%
Solano County+36%
California+36%
United States+33%
Typical household income
Vacaville+27%
Solano County+23%
California+32%
United States+29%
Change since 2015–2019: Vacaville and its comparisons
Measure
Vacaville
Solano County
California
United States
Typical home value
+47%
+52%
+46%
+53%
Typical rent
+40%
+36%
+36%
+33%
Typical household income
+27%
+23%
+32%
+29%
The typical home value in Vacaville rose 47% since 2015–2019, less than in Solano County (52%).
The typical rent in Vacaville rose 40% over the same time; in Solano County, it rose 36%.
Housing prices ran ahead of income in Vacaville: typical income rose 27%, against +47% for home values and +40% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vacaville and its comparisons
Measure
Vacaville
Solano County
California
United States
Rental vacancy
Unreliable estimate
2.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
3.7%
5.3%
8.2%
3.4%
People per household
2.81
2.80
2.84
2.53
Drive alone
79%
74%
66%
69%
Carpool
6%
9%
10%
9%
Public transit
Unreliable estimate
2%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
12%
12%
17%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Vacaville, 3.7% of households live with more than one person per room, against 5.3% in Solano County.
By size, households in Vacaville look like those in Solano County: 2.81 people on average.
To get to work, 79% of workers in Vacaville drive alone; in Solano County, 74%.
Do the math
What would you pay each month for a home in Vacaville?
A typical home costs more than the typical income allows
We start with a typical home in Vacaville, worth $620,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Vacaville, which is $111,126 a year. For that payment to be 28% of income, a household would need to earn about $216,045 a year.
The calculator's FHA and conventional loan limits are those of all of Solano 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 Vacaville. 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 $21,732 (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
$5,041
at 7.18% · 30 years
Loan amount
$609,653
Total interest
$877,148
Paid off in
November 2056
Includes $10,485 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,593 a month
Tight
$2,593 to $3,334 a month
Hard
more than $3,334 a month
Your payment · 54%
Compared with the typical household income in Vacaville ($111,126 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,130
Property tax
$378
Home insurance
$259
FHA mortgage insurance (MIP)
$275
You need at least $21,732 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 $5,041; principal and interest $4,130.
The city and its county
Vacaville and Solano County
Vacaville is in Solano 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).
Vacaville
Map of Solano County, California, with Vacaville marked. Around it, the neighboring counties.
Vacaville
Solano County
Other cities with a page
Vacaville's own numbers
Typical home value
$620,900
Typical monthly rent
$2,299
Typical yearly household income
$111,126
Households that own their home
68%
Effective property tax rate
0.73%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Solano County
FHA limit, one-unit home
$685,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,342
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
3.9%
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 Solano County.
A typical home in Vacaville is worth $620,900: about the same as the county and 15% below California. With the typical household income in Vacaville ($111,126 a year), a typical home costs 5.6 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.
Vacaville5.6 years
Solano6.2 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Solano County
According to FHFA’s house price index, home prices in Solano County rose 76% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Solano County.
Yearly change in FHFA’s price index in Solano County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +8.6% +8.6% 2017
2018: +7.8% +7.8% 2018
2019: +3.4% +3.4% 2019
2020: +2.2% +2.2% 2020
2021: +15.0% +15.0% 2021
2022: +11.9% +11.9% 2022
2023: −1.2% −1.2% 2023
2024: +2.2% +2.2% 2024
2025: −0.3% −0.3% 2025
Change in FHFA’s price index in Solano County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.3%
+0.8%
+2.9%
5 years (2020–2025)
+30%
+40%
+47%
10 years (2015–2025)
+76%
+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
Vacaville next to Solano 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
Vacaville$620,900
Solano$617,700
California$734,700
United States$332,700
Typical monthly rent
Vacaville$2,299
Solano$2,163
California$2,036
United States$1,413
Typical yearly household income
Vacaville$111,126
Solano$100,401
California$99,122
United States$80,734
See the full table
Vacaville next to Solano County and California
Measure
Vacaville
Solano County
California
U.S.
Typical home value
$620,900
$617,700
$734,700
$332,700
Typical monthly rent
$2,299 ▲6% above the county
$2,163
$2,036
$1,413
Typical yearly household income
$111,126 ▲11% above the county
$100,401
$99,122
$80,734
Households that own their home
68% ▲5 points above the county
63%
56%
65%
Typical yearly property tax
$4,507 ▼2% below the county
$4,621
$5,124
$3,119
Effective property tax rate
0.73% ▼0.02 points below the county
0.75%
0.7%
0.94%
Renters with high rent for their income
61% ▲1 points above the county
60%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Solano 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 Vacaville
For a typical $620,900 home in Vacaville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vacaville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,041a month
Least cash to close
Down payment
$21,732
Cash to close
$40,359
Rate
7.18%
Mortgage insurance
FHA MIP · $275
Conventional, 5% down$4,927a month
Down payment
$31,045
Cash to close
$49,672
Rate
7.18%
Mortgage insurance
PMI · $295
Conventional, 20% down, no PMI$4,001a month
Down payment
$124,180
Cash to close
$142,807
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,575a month
Down payment
$93,135
Cash to close
$111,762
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vacaville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,041
$21,732
$609,654
7.18%
FHA MIP · $275
$40,359
580
Conventional, 5% down
$4,927
$31,045
$589,855
7.18%
PMI · $295
$49,672
620*
Conventional, 20% down, no PMI
$4,001
$124,180
$496,720
7.18%
None
$142,807
620*
ITIN, 15% down (example)
$4,575
$93,135
$527,765
8.18%
None
$111,762
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 Vacaville is $2,299 a month: 6% above the county. In Vacaville, 61% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Solano County, by unit size. To pay the 2-bedroom one ($2,342 a month) without spending more than 30% of your income, you would need to earn $45.04 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 Solano County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,706
$32.81
$68,240
1 bedroom
$1,876
$36.08
$75,040
2 bedrooms
$2,342
$45.04
$93,680
3 bedrooms
$3,053
$58.71
$122,120
4 bedrooms
$3,483
$66.98
$139,320
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 Vacaville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vacaville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,340 in 95688 to $2,620 in 95687.
1 of the 2 is above the fair market rent for Solano County ($2,342).
Fair market rent by ZIP code and size in Vacaville, fiscal year 2027.
95687
$1,910
$2,100
$2,620
$3,420
$3,900
95688
$1,700
$1,870
$2,340
$3,050
$3,480
ZIP code2 bd3 bd
95687 $2,620$3,420
95688 $2,340$3,050
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vacaville 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.
We found no HUD-approved agencies with an office in Solano County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Vacaville or Solano County. The ones below are statewide in California: they work in Vacaville 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 Vacaville or Solano 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 Vacaville and all of Solano 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 Vacaville?
The typical home value in Vacaville is $620,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Solano County it is $617,700.
How much does it cost to rent in Vacaville?
Typical rent in Vacaville is $2,299 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Solano County is $2,342.
What is the FHA loan limit in Vacaville?
Vacaville uses the FHA limit for all of Solano County (2026): $685,400 for a one-unit home and $1,318,100 for a four-unit home.
How much property tax do owners pay in Vacaville?
The typical homeowner in Vacaville pays $4,507 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Solano County, the rate is 0.75%.
Where can I find free help to buy or rent in Vacaville?
We found no HUD-approved counseling agencies with an office in Solano County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
