US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95831
  5. Housing & Real Estate
Sacramento city, CA

ZIP 95831 — 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 95831

Median Home Value
$619,800
Median Rent
$1,717
Affordability Snapshot
$171,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,981/mo PITI).

21%
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.

30.1 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 95831 in Sacramento city, CA, a household would need roughly $171,000 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 $3,981. That is about 77% above the local median household income ($96,509), 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
56.9%-13% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
94.9%+9% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
41.8%+9% vs US avg
x
$619,800
Home Value
$1,717
Rent
1981
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached55.8%
  • 1-unit attached12.2%
  • 2-9 units14.3%
  • 10+ units17.1%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$619,800
Median rent$1,717
Owner-occupied56.9%
Vacant4.5%
Price-to-income6.4x
Est. income to buy$171,000