Local
Learn about the people, housing, costs and businesses in Carmichael, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Carmichael.
True all-in cost — P&I, taxes, insurance & utilities for homes in Carmichael.
Find and compare lenders active near Carmichael.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Carmichael.
Seismic risk and earthquake insurance estimates for Carmichael.
Wildfire exposure and insurance estimates for Carmichael.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Carmichael is approximately 6.842% (6.876% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for CarmichaelThe median home value in Carmichael is $579k. The median monthly rent is $1,737. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Carmichael have increased 2.1% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,732/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $74k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Carmichael is $93k/year.
Calculate your buying powerThe largest employment sectors in Carmichael are public administration (25%) and healthcare (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.