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Sacramento city, CA

ZIP 95835 — 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 95835

Median Home Value
$588,300
Median Rent
$2,041
Affordability Snapshot
$162,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,779/mo PITI).

21%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

24.0 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 95835 in Sacramento city, CA, a household would need roughly $162,000 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 $3,779. That is about 42% above the local median household income ($114,413), 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
68.8%+5% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
11.2%-24% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
15.4%-60% vs US avg
x
$588,300
Home Value
$2,041
Rent
2005
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 detached72.6%
  • 1-unit attached4.0%
  • 2-9 units10.2%
  • 10+ units12.7%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$588,300
Median rent$2,041
Owner-occupied68.8%
Vacant4.5%
Price-to-income5.1x
Est. income to buy$162,000