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Sacramento city, CA

ZIP 95824 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95824

Median Home Value
$322,400
Median Rent
$1,216
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,071/mo PITI).

27%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

22.1 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 95824 in Sacramento city, CA, a household would need roughly $89,000 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 $2,071. That is about 65% above the local median household income ($53,938), 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
42.5%-35% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
12.9%+1% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$322,400
Home Value
$1,216
Rent
1964
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 detached61.0%
  • 1-unit attached7.7%
  • 2-9 units15.3%
  • 10+ units11.3%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$322,400
Median rent$1,216
Owner-occupied42.5%
Vacant3.4%
Price-to-income6.0x
Est. income to buy$89,000