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Citrus Heights city, CA

ZIP 95621 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95621

Median Home Value
$401,900
Median Rent
$1,574
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,582/mo PITI).

24%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

21.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95621 in Citrus Heights city, CA, a household would need roughly $111,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,582. That is about 43% above the local median household income ($77,377), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.6%+5% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$401,900
Home Value
$1,574
Rent
1976
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.5%
  • 1-unit attached9.1%
  • 2-9 units13.1%
  • 10+ units6.3%
  • Mobile home & other10.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$401,900
Median rent$1,574
Owner-occupied68.6%
Vacant3.8%
Price-to-income5.2x
Est. income to buy$111,000