Sacramento County, California home prices
Typical home $521,128 · -0.5% in a year · property tax 0.73%
The typical home in Sacramento County is worth $521,128, 32% less than the California typical home ($761,538). Values changed -0.5% in the past year and +3.0% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($3,825 on the typical home), versus 0.72% statewide.
Mortgage on the typical Sacramento County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $104,226 | $416,903 | $2,805 | $0 | $579 | $3,384 | $145,000 |
| 10% down | $52,113 | $469,016 | $3,155 | $195 | $579 | $3,930 | $168,400 |
| 5% down | $26,056 | $495,072 | $3,330 | $206 | $579 | $4,116 | $176,400 |
| 3.5% down (FHA) | $18,239 | $511,689 | $3,442 | $230 | $579 | $4,252 | $182,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Sacramento metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Joaquin County | $519,776 | -2.1% | 0.75% |
| Inyo County | $524,036 | +5.7% | 0.74% |
| Alpine County | $508,465 | -2.0% | 0.77% |
| San Bernardino County | $548,565 | +0.9% | 0.7% |
| Mendocino County | $480,674 | -1.2% | 0.69% |
| Solano County | $571,152 | -0.9% | 0.75% |
| Stanislaus County | $461,114 | +0.2% | 0.71% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| Nevada County | $610,265 | +0.8% | 0.75% |
Frequently asked questions
What is the average home price in Sacramento County, CA?
The typical home value in Sacramento County is $521,128 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sacramento County?
About $145,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sacramento County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).