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Sacramento city, CA

ZIP 95815 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95815

Median Home Value
$298,400
Median Rent
$1,236
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,917/mo PITI).

25%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

20.1 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 95815 in Sacramento city, CA, a household would need roughly $82,000 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 $1,917. That is about 40% above the local median household income ($58,590), 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
37.4%-43% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
15.1%+18% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
33.8%-32% vs US avg
x
Mortgage-Free
24.8%-35% vs US avg
x
$298,400
Home Value
$1,236
Rent
1960
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached54.7%
  • 1-unit attached6.5%
  • 2-9 units17.1%
  • 10+ units17.1%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,400
Median rent$1,236
Owner-occupied37.4%
Vacant7.5%
Price-to-income5.1x
Est. income to buy$82,000