Sacramento, CA home prices
Typical home $572,813 · +0.0% in a year · income needed $159,400
The Sacramento, CA metro area ranks 49 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.0% in a year and +3.7% over five years. With 20% down at 7.11%, the typical home costs about $3,719 a month including 0.73% property tax (Sacramento County rate).
Mortgage on the typical Sacramento home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $114,563 | $458,250 | $3,083 | $0 | $637 | $3,719 | $159,400 |
| 10% down | $57,281 | $515,531 | $3,468 | $215 | $637 | $4,320 | $185,100 |
| 5% down | $28,641 | $544,172 | $3,661 | $227 | $637 | $4,524 | $193,900 |
| 3.5% down (FHA) | $20,048 | $562,438 | $3,784 | $253 | $637 | $4,674 | $200,300 |
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.
Counties in the Sacramento area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sacramento County, CA | $521,128 | -0.5% | 0.73% |
| Placer County, CA | $684,800 | +1.3% | 0.84% |
| Yolo County, CA | $612,563 | -0.3% | 0.77% |
| El Dorado County, CA | $648,637 | +0.8% | 0.7% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Sacramento?
The typical home in the Sacramento, CA metro area is worth $572,813 (Zillow, September 2026).
What salary do you need to buy a house in Sacramento?
About $159,400 a year for the typical home with 20% down at 7.11%.