US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95817
  5. Housing & Real Estate
Sacramento city, CA

ZIP 95817 — 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 95817

Median Home Value
$500,700
Median Rent
$1,348
Affordability Snapshot
$138,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,216/mo PITI).

25%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

31.0 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 95817 in Sacramento city, CA, a household would need roughly $138,000 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 $3,216. That is about 114% above the local median household income ($64,621), 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
39.4%-40% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
0.2%-98% vs US avg
x
Built Pre-1939
14.7%+15% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
38.6%-22% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$500,700
Home Value
$1,348
Rent
1955
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached55.4%
  • 1-unit attached10.4%
  • 2-9 units17.8%
  • 10+ units15.9%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$500,700
Median rent$1,348
Owner-occupied39.4%
Vacant5.0%
Price-to-income7.7x
Est. income to buy$138,000