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Sacramento city, CA

ZIP 95811 — 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 95811

Median Home Value
$707,900
Median Rent
$1,462
Affordability Snapshot
$195,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,547/mo PITI).

23%
Rent-to-Income Ratio

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

9.1x
Home Price-to-Income Ratio

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

40.3 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 95811 in Sacramento city, CA, a household would need roughly $195,000 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 $4,547. That is about 151% above the local median household income ($77,760), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
16.9%-74% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
1.1%-83% vs US avg
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$707,900
Home Value
$1,462
Rent
1971
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached13.9%
  • 1-unit attached7.4%
  • 2-9 units37.8%
  • 10+ units40.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$707,900
Median rent$1,462
Owner-occupied16.9%
Vacant5.0%
Price-to-income9.1x
Est. income to buy$195,000