Median home value in zip code 95638 (Herald, CA) is $783,960, up 1.5% year over year. Part of the Sacramento-Roseville-Folsom, CA metropolitan area.

Home Value$783,960

YoY Change

+1.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 95638 (Herald).

Income (annual)

Down Payment

$156,792 on $783,960

Example: $75,000 household income. Change it above to see your own.

Out of reach73.9% of income

Need $197,871/yr to afford.

PITI$4,617

P/I73.9%

Afford$297K

Gap-$487K

P&I $3,964Tax $503Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

95638 is part of the Sacramento-Roseville-Folsom, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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