Real Estate Investing in Sacramento, California (95832)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Sacramento County • Population: 12,973 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 95832 (Sacramento, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • Flat appreciation: Values have barely moved over 5 years (1.0% CAGR).
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Higher unemployment: 8.2% unemployment — tenant risk signal.

What’s happening in Sacramento, CA (95832)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $422,014
Avg Monthly Rent $2,228
1% Rule ✗ Does Not Meet
Median Income $75,071
% Renters 34.2%

Market Analysis: 95832 Sacramento

Investors eyeing 95832 need to respect the fundamentals at play. Home values of $422K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 95832 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 95832 and stronger Sacramento ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 95832 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 95832 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Sacramento:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
14/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.6× the median income
Value Trend
Stable (+2.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,228/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Sacramento-Roseville-Folsom, CA Metro Area
More inventory, negotiating room for buyers
46 days
Average time to sell
Average
10.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Sacramento-Roseville-Folsom, CA metro data
🏠

Property Strategy for 95832

Which property type performs best in this market?

Best for Cash Flow
3BR
6.2% cap rate
Best for Appreciation
5BR
+5.9% 5yr CAGR
Best Overall Value
5BR
$114,657/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $385,141 $3,290 6.2% +4.2% $128,380
4BR $466,743 $3,790 5.8% +5.0% $116,686
5BR $573,285 +5.9% $114,657

Market Trends

Home Value History (with trend line)

$479K$398K$318K$238K$158K$78KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,369$2,298$2,228$2,157$2,087$2,017Feb 2026Mar 2026Apr 2026

📊 How Does 95832 Compare?

Metric 95832 Sacramento Sacramento-Roseville-Folsom, CA California
Home Value $422,014 $548,409 N/A $761,003
5-Year CAGR 1.0% 1.1% N/A 5.7%
Avg Rent $2,228 $2,119 N/A -
Cap Rate 4.1% 3.2% - -
💡 Why Invest in 95832? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95832 (Sacramento, CA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 95832 (Sacramento, CA)?

~25 seconds · no account needed · your report is anonymous

Property managers serving Sacramento County

Manage rentals here? List your business →

Advent Properties, Inc. offers comprehensive, responsive, and professional property management and real estate services in the Bay Area, East Bay, and Sacramento regions. summary from their website

Unclaimed — is this your business? Claim it free

CYA Property Management, led by Carla Morgan, serves Carmichael, CA. summary from their website

Unclaimed — is this your business? Claim it free

Eagle Property Management offers property management services in Sacramento, CA. summary from their website

Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.1%
Fair
5yr Growth
+1.0%
Slow

📊 Market Snapshot

Home Value $422,014
Monthly Rent $2,228
Price-to-Rent 15.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.3%
Cap Rate 4.1%
5-Year IRR 5.1%

📈 Home Appreciation

1-Year +2.3% ▲
3-Year CAGR +1.1% ▲
5-Year CAGR +1.0% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
1.9%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.0%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95832

Population: 12,973

💰 Median Household Income
$75,071
This area
$75,071
State
$94,164
USA
$74,580
🏠 Renter Occupied
34.2%
This area
34.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
8.2%
This area
8.2%
State
-16.6%
USA
3.7%
🎓 College Educated
12.8%
This area
12.8%
State
7.7%
USA
33.7%
👤 Median Age
30.9 years
This area
30.9 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
1.9%
This area
1.9%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Asian 35.4%
Other/Mixed 33.1%
Hispanic/Latino 20.9%
White 19.3%
Black/African American 12.3%
👶 Under 18
27.9%
This area
27.9%
USA
22.0%
👴 65 and Over
9.9%
This area
9.9%
USA
17.3%
📊 Poverty Rate
14.0%
This area
14.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 95832

B Avg School Grade
3 Schools
24.1:1 Avg Class Size
$17,076 Avg Per Pupil

Schools in This ZIP Code

B Good

John H. Still

📚 K – 08 School
👥
734 Students
👨‍🏫
24.5:1 Class Size
💰
$18,556 Per Student
B Good

Susan B. Anthony Elementary

📚 K – 06 School
👥
314 Students
👨‍🏫
22.4:1 Class Size
💰
$18,556 Per Student
C+ Average

Capitol Collegiate Academy

📚 K – 08 School Charter
👥
449 Students
👨‍🏫
25.5:1 Class Size
💰
$14,115 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

SAVA - Sacramento Academic and Vocational Academy - EGUSD

📚 07 – 12 High School Charter
📍 3141 Dwight Rd. Ste. 400, Elk Grove
👥
372 Students
👨‍🏫
16.8:1 Class Size
💰
$14,328 Per Student
B Good

Joseph Sims Elementary

📚 K – 06 School
📍 3033 Buckminster Dr., Elk Grove
👥
731 Students
👨‍🏫
21.0:1 Class Size
💰
$16,975 Per Student
B Good

Elitha Donner Elementary

📚 K – 06 School
📍 9461 Soaring Oaks Dr., Elk Grove
👥
757 Students
👨‍🏫
23.6:1 Class Size
💰
$16,975 Per Student
B Good

Foulks Ranch Elementary

📚 K – 06 School
📍 6211 Laguna Park Dr., Elk Grove
👥
793 Students
👨‍🏫
24.8:1 Class Size
💰
$16,975 Per Student
B Good

Harriet G. Eddy Middle

📚 07 – 08 Middle
📍 9329 Soaring Oaks Dr., Elk Grove
👥
1,013 Students
👨‍🏫
19.7:1 Class Size
💰
$16,975 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 15,946 Off-Campus Students
C+
California Northstate University
847 students · 2.5 mi
C
Cosumnes River College
14,980 students · 4.2 mi
C
UEI College-Sacramento
1,086 students · 4.5 mi
C+
My Le's Beauty College
168 students · 4.6 mi
C
MIXED Institute of Cosmetology & Barber
139 students · 5.2 mi
C+
Charles A Jones Career and Education Center
90 students · 6.1 mi
C
Sacramento City College
19,031 students · 7.0 mi
B
California State University-Sacramento
31,172 students · 9.2 mi

Investor Insight: With 15,946 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What price range are homes in Sacramento, CA?

Homes in Sacramento, CA typically sell near $422K. Prices have moved at a 0.0% 5-year CAGR, which steady long-term demand.

Does house hacking make sense in Sacramento, CA?

For house hackers, Sacramento, CA is a challenging. The $2,228/mo rent on a unit helps defray the mortgage on a $422K property.

What real estate strategy is ideal for Sacramento, CA?

The best-fit strategy in Sacramento, CA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Is Sacramento, CA a good place for real estate investing?

With a 3.0/5 investability score, Sacramento, CA ranks as a solid market for rental property investors. Median prices of $422K and rents of $2,228/mo drive the underlying numbers.

How strong is tenant demand in Sacramento, CA?

The tenant pool in Sacramento, CA is solid, supported by local employment and population fundamentals. Rents of $2,228/mo are well-absorbed by the market.

You know 95832 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95832 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 95832 ranks in Sacramento-Roseville-Folsom, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 95832 (Sacramento)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 95832 (Sacramento, CA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.