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Sacramento city, CA

ZIP 95826 — 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 95826

Median Home Value
$441,300
Median Rent
$1,550
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,835/mo PITI).

24%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

23.7 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 95826 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 $2,835. That is about 56% above the local median household income ($77,689), 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
54.8%-16% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%-99% vs US avg
x
Rent Burden >30%
33.1%-33% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$441,300
Home Value
$1,550
Rent
1975
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached54.2%
  • 1-unit attached7.4%
  • 2-9 units18.3%
  • 10+ units17.3%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$441,300
Median rent$1,550
Owner-occupied54.8%
Vacant4.8%
Price-to-income5.7x
Est. income to buy$121,000