Safe Rate Local
Learn about the people, housing, costs and businesses in Sacramento, California
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Sacramento.
True all-in cost — P&I, taxes, insurance & utilities for homes in Sacramento.
Find and compare lenders active near Sacramento.
FEMA flood zones and flood insurance estimates for Sacramento.
Seismic risk and earthquake insurance estimates for Sacramento.
Wildfire exposure and insurance estimates for Sacramento.
As of today, the 30-year fixed mortgage rate for Sacramento is approximately 6.832% (6.870% 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 SacramentoThe median home value in Sacramento is $534k. The median monthly rent is $1,793. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Sacramento have increased 7.5% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,808/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $77k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Sacramento is $87k/year.
Calculate your buying powerThe largest employment sectors in Sacramento are public administration (23%) and healthcare (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.