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Sacramento city, CA

ZIP 95816 — 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 95816

Median Home Value
$789,700
Median Rent
$1,532
Affordability Snapshot
$217,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,073/mo PITI).

20%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

43.0 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 95816 in Sacramento city, CA, a household would need roughly $217,000 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 $5,073. That is about 140% above the local median household income ($90,521), 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
29.9%-54% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
29.8%-22% vs US avg
x
$789,700
Home Value
$1,532
Rent
1949
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached34.3%
  • 1-unit attached2.6%
  • 2-9 units37.8%
  • 10+ units25.1%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$789,700
Median rent$1,532
Owner-occupied29.9%
Vacant4.0%
Price-to-income8.7x
Est. income to buy$217,000