Median home value in zip code 95638 (Herald, CA) is $784K, up 1.5% year over year. Part of the Sacramento-Roseville-Folsom, CA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Sacramento-Roseville-Folsom, CA metro →

Home Value$783,960

YoY Change

+1.5%

AFFORDABILITY

Enter your income for 95638 (Herald).

Income (annual)

Down Payment

$156,792 on $783,960

Out of reach — 73.9% 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.

View Sacramento-Roseville-Folsom, CA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free