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Sacramento city, CA

ZIP 95823 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95823

Median Home Value
$372,100
Median Rent
$1,363
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,390/mo PITI).

26%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

22.8 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 95823 in Sacramento city, CA, a household would need roughly $102,000 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 $2,390. That is about 60% above the local median household income ($63,701), 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
46.0%-30% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
32.1%-35% vs US avg
x
Mortgage-Free
33.6%-12% vs US avg
x
$372,100
Home Value
$1,363
Rent
1980
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 detached59.4%
  • 1-unit attached5.0%
  • 2-9 units13.1%
  • 10+ units17.6%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$372,100
Median rent$1,363
Owner-occupied46.0%
Vacant3.5%
Price-to-income5.8x
Est. income to buy$102,000