In West Sacramento, a typical home is worth $525,800 and typical rent is $1,665 a month. Compared with all of Yolo County, the typical home value is 15% lower, typical rent is 10% lower, and the share of households that own their home is 6 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $512,299 to $520,898.
Typical rent
$2,263a month
▲ 3.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,001 to $2,263.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
West Sacramento is in Yolo 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 Yolo 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: 33% less than in West Sacramento ($525,800).
2
The typical home in West Sacramento is worth $525,800,15% less than in Yolo County as a whole ($620,700).
3
60% of households in West Sacramento own their home, against 54% in Yolo County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Sacramento
What homes there are in West 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
West Sacramento
Yolo County
California
United States
Kind of home: West Sacramento and its comparisons
Measure
West Sacramento
Yolo County
California
United States
Detached house
65%
58%
57%
61%
Attached house
5%
7%
7%
6%
Building of 2 to 4
5%
8%
8%
8%
Apartments (5 or more)
20%
23%
24%
19%
Mobile home
5%
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 65% of homes here, against 58% in Yolo County.
Year built
Before 19601960–19791980–19992000–20092010 or later
West Sacramento
Yolo County
California
United States
Year built: West Sacramento and its comparisons
Measure
West Sacramento
Yolo County
California
United States
Before 1960
26%
17%
27%
26%
1960–1979
18%
28%
29%
24%
1980–1999
14%
27%
25%
25%
2000–2009
29%
18%
11%
14%
2010 or later
14%
11%
8%
11%
Here half of the homes date from 1987 or later; in Yolo County, from 1983 or later.
By size, homes in West Sacramento look like those in Yolo County: 60% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K8%
$100K–$200KUnreliable
$200K–$300K2%
$300K–$500K35%
$500K–$750K41%
$750K–$1M10%
$1M or more3%
Value of owner-occupied homes: West Sacramento and its comparisons
Measure
West Sacramento
Under $100K
8%
$100K–$200K
Unreliable estimate
$200K–$300K
2%
$300K–$500K
35%
$500K–$750K
41%
$750K–$1M
10%
$1M or more
3%
Monthly rent with utilities
Under the limitOver the limit
Under $5006%
$500–$99911%
$1,000–$1,49926%
$1,500–$1,99921%
$2,000–$2,49920%
HUD fair market rent, 2 bedrooms: $2,135
$2,500–$2,9999%
$3,000 or more7%
Monthly rent with utilities: West Sacramento and its comparisons
Measure
West Sacramento
Under $500
6%
$500–$999
11%
$1,000–$1,499
26%
$1,500–$1,999
21%
$2,000–$2,499
20%
$2,500–$2,999
9%
$3,000 or more
7%
About 69% of rented homes in West Sacramento cost less than HUD's 2-bedroom fair market rent for Yolo County ($2,135).
With a mortgage
$2,487 a month
Yolo County: $2,731 a month
Without a mortgage
$809 a month
Yolo County: $807 a month
Owners with a mortgage
72%
Yolo County: 66%
In West Sacramento, 72% of owners have a mortgage, and their typical cost is $2,487 a month, against $2,731 in Yolo County. Without one it drops to $809.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Sacramento+50%
Yolo County+46%
California+46%
United States+53%
Typical rent
West Sacramento+62%
Yolo County+40%
California+36%
United States+33%
Typical household income
West Sacramento+32%
Yolo County+31%
California+32%
United States+29%
Change since 2015–2019: West Sacramento and its comparisons
Measure
West Sacramento
Yolo County
California
United States
Typical home value
+50%
+46%
+46%
+53%
Typical rent
+62%
+40%
+36%
+33%
Typical household income
+32%
+31%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in West Sacramento rose 50%; in Yolo County, it rose 46%.
The typical rent in West Sacramento rose 62% over the same time; in Yolo County, it rose 40%.
Here income did not keep up with housing: it rose 32%, while home values changed +50% and rent +62%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Sacramento and its comparisons
Measure
West Sacramento
Yolo County
California
United States
Rental vacancy
10.2%
5.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
8.1%
6.4%
8.2%
3.4%
People per household
2.80
2.75
2.84
2.53
Drive alone
67%
62%
66%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
3%
3%
3%
Walk or bike
2%
8%
3%
3%
Work from home
19%
18%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in West Sacramento: 10.2% is empty and offered for rent, against 5.2% in Yolo County.
More households are short on space in West Sacramento: 8.1% have more than one person per room; in Yolo County, 6.4%.
By size, households in West Sacramento look like those in Yolo County: 2.80 people on average.
In West Sacramento, 67% of workers drive alone to work; in Yolo County, 62%.
Do the math
What would you pay each month for a home in West Sacramento?
A typical home costs more than the typical income allows
We start with a typical home in West Sacramento, worth $525,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in West Sacramento, which is $93,188 a year. For that payment to be 28% of income, a household would need to earn about $186,147 a year.
The calculator's FHA and conventional loan limits are those of all of Yolo 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 West 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 $18,403 (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
$4,343
at 7.18% · 30 years
Loan amount
$516,276
Total interest
$742,801
Paid off in
November 2056
Includes $8,879 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,174 a month
Tight
$2,174 to $2,796 a month
Hard
more than $2,796 a month
Your payment · 56%
Compared with the typical household income in West Sacramento ($93,188 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,497
Property tax
$394
Home insurance
$219
FHA mortgage insurance (MIP)
$233
You need at least $18,403 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 $4,343; principal and interest $3,497.
The city and its county
West Sacramento and Yolo County
West Sacramento is in Yolo 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).
Map of Yolo County, California, with West Sacramento marked. Around it, the neighboring counties.
Yolo County
West Sacramento's own numbers
Typical home value
$525,800
Typical monthly rent
$1,665
Typical yearly household income
$93,188
Households that own their home
60%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Yolo County
FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,135
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
5.8%
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 Yolo County.
A typical home in West Sacramento is worth $525,800: 15% below the county and 28% below California. With the typical household income in West Sacramento ($93,188 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.
West Sacramento5.6 years
Yolo6.8 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Yolo County
According to FHFA’s house price index, home prices in Yolo County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Yolo County.
Yearly change in FHFA’s price index in Yolo County, 2016 to 2025
2016: +8.3% +8.3% 2016
2017: +7.2% +7.2% 2017
2018: +6.6% +6.6% 2018
2019: +3.3% +3.3% 2019
2020: +1.4% +1.4% 2020
2021: +12.4% +12.4% 2021
2022: +14.6% +14.6% 2022
2023: −1.9% −1.9% 2023
2024: +3.8% +3.8% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in Yolo County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+30%
+40%
+47%
10 years (2015–2025)
+69%
+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
West Sacramento next to Yolo 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
West Sacramento$525,800
Yolo$620,700
California$734,700
United States$332,700
Typical monthly rent
West Sacramento$1,665
Yolo$1,857
California$2,036
United States$1,413
Typical yearly household income
West Sacramento$93,188
Yolo$91,752
California$99,122
United States$80,734
See the full table
West Sacramento next to Yolo County and California
Measure
West Sacramento
Yolo County
California
U.S.
Typical home value
$525,800 ▼15% below the county
$620,700
$734,700
$332,700
Typical monthly rent
$1,665 ▼10% below the county
$1,857
$2,036
$1,413
Typical yearly household income
$93,188
$91,752
$99,122
$80,734
Households that own their home
60% ▲6 points above the county
54%
56%
65%
Typical yearly property tax
$4,722
$4,749
$5,124
$3,119
Effective property tax rate
0.9% ▲0.13 points above the county
0.77%
0.7%
0.94%
Renters with high rent for their income
51% ▼8 points below the county
59%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Yolo 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 West Sacramento
For a typical $525,800 home in West Sacramento, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Sacramento's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,343a month
Least cash to close
Down payment
$18,403
Cash to close
$34,177
Rate
7.18%
Mortgage insurance
FHA MIP · $233
Conventional, 5% down$4,247a month
Down payment
$26,290
Cash to close
$42,064
Rate
7.18%
Mortgage insurance
PMI · $250
Conventional, 20% down, no PMI$3,463a month
Down payment
$105,160
Cash to close
$120,934
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,949a month
Down payment
$78,870
Cash to close
$94,644
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Sacramento
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,343
$18,403
$516,276
7.18%
FHA MIP · $233
$34,177
580
Conventional, 5% down
$4,247
$26,290
$499,510
7.18%
PMI · $250
$42,064
620*
Conventional, 20% down, no PMI
$3,463
$105,160
$420,640
7.18%
None
$120,934
620*
ITIN, 15% down (example)
$3,949
$78,870
$446,930
8.18%
None
$94,644
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 West Sacramento is $1,665 a month: 10% below the county. In West Sacramento, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Yolo County, by unit size. To pay the 2-bedroom one ($2,135 a month) without spending more than 30% of your income, you would need to earn $41.06 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 Yolo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,659
$31.90
$66,360
1 bedroom
$1,670
$32.12
$66,800
2 bedrooms
$2,135
$41.06
$85,400
3 bedrooms
$2,956
$56.85
$118,240
4 bedrooms
$3,095
$59.52
$123,800
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 West Sacramento
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Sacramento has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,920 in 95605 to $1,930 in 95691.
None is above the fair market rent for Yolo County ($2,135).
Fair market rent by ZIP code and size in West Sacramento, fiscal year 2027.
95605
$1,490
$1,500
$1,920
$2,660
$2,870
95691
$1,500
$1,510
$1,930
$2,670
$2,870
ZIP code2 bd3 bd
95605 $1,920$2,660
95691 $1,930$2,670
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West 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 20 buildings with rents for lower incomes in West Sacramento. These are the largest.
Harbor Park Apts3429 Evergreen Cir, West Sacramento 95691296 homes, 294 low-income · 1 bd: 128 · 2 bd: 168 · In service since 2008
Las Casitas664 Cummins Way, West Sacramento 95605149 homes, 139 low-income · Run by Housing Authority of the County of Yolo · Average payment: $516 a month · Average wait: 179 months(530) 662-5428
Rivers Senior Apts750 Dorothy Adamo Ln, West Sacramento 95605120 homes, 119 low-income · 1 bd: 96 · 2 bd: 24 · In service since 2008 · For older adults
Savannah at Southport3401 Savannah Ln, West Sacramento 95691228 homes, 118 low-income · 1 bd: 23 · 2 bd: 61 · 3 bd: 36 · In service since 2004 · For families
Bryte Gardens Apts815 Bryte Ave, West Sacramento 95605108 homes, 100 low-income · 1 bd: 8 · 2 bd: 39 · 3 bd: 48 · 4 bd: 7 · In service since 2002 · For families(916) 373-9593
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 Yolo 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 West Sacramento or Yolo County. The ones below are statewide in California: they work in West 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).
The HUD-approved agencies closest to the center of West Sacramento, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
SN
Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region
2411 Alhambra Blvd, Sacramento · 4 miles away · Spanish
No legal help resource on our list is for West Sacramento or Yolo 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 West Sacramento and all of Yolo 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 West Sacramento?
The typical home value in West Sacramento is $525,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yolo County it is $620,700.
How much does it cost to rent in West Sacramento?
Typical rent in West Sacramento is $1,665 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yolo County is $2,135.
What is the FHA loan limit in West Sacramento?
West Sacramento uses the FHA limit for all of Yolo 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 West Sacramento?
The typical homeowner in West Sacramento pays $4,722 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Yolo County, the rate is 0.77%.
Where can I find free help to buy or rent in West Sacramento?
We found no HUD-approved counseling agencies with an office in Yolo County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
