Median home value in zip code 95864 (Sacramento, CA) is $731,232, up 1.1% year over year. Part of the Sacramento-Roseville-Folsom, CA metropolitan area.

Home Value$731,232

YoY Change

+1.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 95864 (Sacramento).

Income (annual)

Down Payment

$146,246 on $731,232

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

Out of reach69.1% of income

Need $185,014/yr to afford.

PITI$4,317

P/I69.1%

Afford$296K

Gap-$435K

P&I $3,698Tax $469Ins $150

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

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

Metro Analysis

95864 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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.