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Sacramento city, CA

ZIP 95819 — 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 95819

Median Home Value
$716,000
Median Rent
$1,847
Affordability Snapshot
$197,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,599/mo PITI).

17%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

32.3 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 95819 in Sacramento city, CA, a household would need roughly $197,000 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 $4,599. That is about 55% above the local median household income ($127,500), 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

Historic housing stock (25% built before 1939)

Owner Occupied
70.0%+7% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
25.3%+98% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
17.7%-64% vs US avg
x
Mortgage-Free
29.1%-24% vs US avg
x
$716,000
Home Value
$1,847
Rent
1949
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 detached81.5%
  • 1-unit attached5.6%
  • 2-9 units7.4%
  • 10+ units5.3%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$716,000
Median rent$1,847
Owner-occupied70.0%
Vacant6.8%
Price-to-income5.6x
Est. income to buy$197,000