Market Overview
Home Prices in Sacramento, CA
The median home value in Sacramento, CA is $482,968 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.9% compared to a year ago and down 2.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sacramento are priced18% above average. Sacramento is part of the Sacramento-Roseville-Folsom, CA metro area.
Over the past five years, Sacramento home values have risen by approximately5.5%, reflecting steady appreciation in this market.
Price History
Sacramento Home Price Trend
City Comparison
Sacramento vs. National Median
At $482,968, homes in Sacramento cost 18% above the national median of $410,000. Buyers in Sacramento should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Sacramento?
20% Down Payment
$96,594
on $482,968
Monthly P&I
$2,519/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,199/mo
incl. taxes & insurance
Income Needed
$127,960
gross annual (30% rule)
10% Down Option
$48,297
+ PMI applies
Loan Amount (20% dn)
$386,374
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Sacramento, CA?
The median home value in Sacramento is $482,968 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.9% year-over-year.
How much have home prices changed in Sacramento?
Over the past year, home values in Sacramento have decreased by 1.9%. Over five years, prices have risen approximately 5.5%.
How much do I need to earn to buy a home in Sacramento?
To comfortably afford the median home price of $482,968 with a 20% down payment ($96,594) at today's rates (6.8%), you'd need a gross annual income of approximately $127,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Sacramento compare to the national average home price?
The national median home value is approximately $410,000. At $482,968, homes in Sacramento are 18% above the national average.
What metro area is Sacramento part of?
Sacramento is part of the Sacramento-Roseville-Folsom, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.