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City · 43,751 residents · Sacramento County, California

Vineyard , California

In Vineyard, a typical home is worth $596,000 and typical rent is $2,090 a month. Compared with all of Sacramento County, typical rent is 17% higher, typical household income is 14% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $596,000

    12% above the county

    19% below California

    • Vineyard
    • Sacramento
    • California

  • Typical rent

    $2,090a month

    17% above the county

    3% above California

    • Vineyard
    • Sacramento
    • California

  • Typical household income

    $105,313a year

    14% above the county

    6% above California

    • Vineyard
    • Sacramento
    • California

  • Households that own their home

    75%

    16 points above the county

    19 points above California

    • Vineyard
    • Sacramento
    • California

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

Vineyard 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 Vineyard apart

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

  1. Nearby, in Parkway, the typical home value is $374,700: 37% less than in Vineyard ($596,000).

  2. 75% of households in Vineyard own their home, against 59% in Sacramento County.

  3. Nearby, in Parkway, the typical rent is $1,517: 27% less than in Vineyard ($2,090).

  4. The typical rent in Vineyard is $2,090 a month, 17% more than in Sacramento County as a whole ($1,790).

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

The homes here

Housing in Vineyard

What homes there are in Vineyard, 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

The detached house rules in Vineyard: 90% of homes, more than in Sacramento County (65%).

Year built

Here half of the homes date from 2000 or later; in Sacramento County, from 1981 or later.

In Vineyard, 87% of homes have 3 bedrooms or more, more than in Sacramento County (62%).

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
Monthly rent with utilities

With a mortgage

$2,607 a month

Sacramento County: $2,428 a month

Without a mortgage

$797 a month

Sacramento County: $732 a month

Owners with a mortgage

74%

Sacramento County: 69%

In Vineyard, 74% of owners have a mortgage, and their typical cost is $2,607 a month, against $2,428 in Sacramento County. Without one it drops to $797.

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

The boundaries of Vineyard changed since 2015–2019, so the Census does not compare its figures from then and now. In Sacramento County, the typical home value rose 52%.

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

MeasureVineyardSacramento 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 6.4%6.2%8.2%3.4%
People per household 3.442.752.842.53
Drive alone 67%66%66%69%
Carpool 15%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 15%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Sacramento County, 6.4% of households in Vineyard have more than one person per room.

Households in Vineyard are bigger: 3.44 people on average; in Sacramento County, 2.75.

More people carpool to work in Vineyard than in Sacramento County: 15% against 9%.

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 Vineyard?

A typical home costs more than the typical income allows

We start with a typical home in Vineyard, worth $596,000, 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 Vineyard, which is $105,313 a year. For that payment to be 28% of income, a household would need to earn about $208,019 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 Vineyard. 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 $20,860 (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

$4,854

at 7.18% · 30 years

Loan amount
$585,205
Total interest
$841,973
Paid off in
November 2056

Includes $10,065 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,457 a month

  • Tight

    $2,457 to $3,159 a month

  • Hard

    more than $3,159 a month

    Your payment · 55%

Compared with the typical household income in Vineyard ($105,313 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,854
Principal & interest$3,964
Property tax$378
Home insurance$248
FHA mortgage insurance (MIP)$264

You need at least $20,860 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

Vineyard and Sacramento County

Vineyard 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).

Vineyard's own numbers

Typical home value
$596,000
Typical monthly rent
$2,090
Typical yearly household income
$105,313
Households that own their home
75%
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.

Everything about Sacramento County

Buying

Buying a home in Vineyard

A typical home in Vineyard is worth $596,000: 12% above the county and 19% below California. With the typical household income in Vineyard ($105,313 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.

  • Vineyard 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

Vineyard 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
  • Vineyard $596,000
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Vineyard $2,090
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Vineyard $105,313
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Vineyard next to Sacramento County and California
Measure Vineyard Sacramento County California U.S.
Typical home value $596,000 $534,200 $734,700 $332,700
Typical monthly rent $2,090 $1,790 $2,036 $1,413
Typical yearly household income $105,313 $92,175 $99,122 $80,734
Households that own their home 75% 59% 56% 65%
Typical yearly property tax $4,527 $3,921 $5,124 $3,119
Effective property tax rate 0.76% 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 Vineyard

For a typical $596,000 home in Vineyard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vineyard's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,854a month

    Least cash to close
    Down payment
    $20,860
    Cash to close
    $38,740
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $264

  • Conventional, 5% down $4,745a month

    Down payment
    $29,800
    Cash to close
    $47,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $283

  • Conventional, 20% down, no PMI $3,856a month

    Down payment
    $119,200
    Cash to close
    $137,080
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,407a month

    Down payment
    $89,400
    Cash to close
    $107,280
    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 Vineyard and for Sacramento County.

Property tax

Effective rate in Vineyard

0.76%of the home’s value each year

$4,527 a year for the typical owner in Vineyard.

  • Vineyard 0.76%
  • 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 Vineyard

Typical rent in Vineyard is $2,090 a month: 17% above the county. In Vineyard, 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 Vineyard

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vineyard has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,560 in 95830 to $2,630 in 95829.

2 of the 2 are above the fair market rent for Sacramento County ($2,201).

  • 95829 $2,630$3,450
  • 95830 $2,560$3,360

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vineyard 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 Vineyard

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Vineyard

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

The HUD-approved agencies closest to the center of Vineyard, 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 · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

  • Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region

    2411 Alhambra Blvd, Sacramento · 10 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (916) 452-5356

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 10 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 Vineyard

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 Vineyard

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

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Vineyard

Short answers with the numbers for Vineyard 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 Vineyard?

The typical home value in Vineyard is $596,000, 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 Vineyard?

Typical rent in Vineyard is $2,090 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 Vineyard?

Vineyard 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 Vineyard?

The typical homeowner in Vineyard pays $4,527 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 Vineyard?

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).