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Sacramento city, CA

ZIP 95822 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95822

Median Home Value
$438,400
Median Rent
$1,373
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,816/mo PITI).

20%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

26.6 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 95822 in Sacramento city, CA, a household would need roughly $121,000 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 $2,816. That is about 50% above the local median household income ($80,835), 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
Owner Occupied
62.6%-4% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
6.8%-46% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
36.8%-4% vs US avg
x
$438,400
Home Value
$1,373
Rent
1960
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.8%
  • 1-unit attached8.2%
  • 2-9 units10.2%
  • 10+ units6.3%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$438,400
Median rent$1,373
Owner-occupied62.6%
Vacant4.5%
Price-to-income5.4x
Est. income to buy$121,000