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Sacramento city, CA

ZIP 95818 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95818

Median Home Value
$768,700
Median Rent
$1,543
Affordability Snapshot
$212,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,938/mo PITI).

15%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

41.5 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 95818 in Sacramento city, CA, a household would need roughly $212,000 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 $4,938. That is about 76% above the local median household income ($120,509), 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
57.3%-12% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
19.0%+48% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$768,700
Home Value
$1,543
Rent
1940
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached65.5%
  • 1-unit attached6.6%
  • 2-9 units19.2%
  • 10+ units8.1%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$768,700
Median rent$1,543
Owner-occupied57.3%
Vacant5.8%
Price-to-income6.4x
Est. income to buy$212,000