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Sacramento city, CA

ZIP 95838 — 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 95838

Median Home Value
$369,000
Median Rent
$1,285
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,370/mo PITI).

24%
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.

23.9 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 95838 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 $2,370. That is about 59% above the local median household income ($63,969), 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
55.5%-15% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
8.1%-36% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
35.7%-28% vs US avg
x
Mortgage-Free
28.1%-27% vs US avg
x
$369,000
Home Value
$1,285
Rent
1981
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 detached78.1%
  • 1-unit attached4.0%
  • 2-9 units9.5%
  • 10+ units6.0%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$369,000
Median rent$1,285
Owner-occupied55.5%
Vacant3.6%
Price-to-income5.8x
Est. income to buy$102,000