Real Estate Investing in Sacramento, California (95829)

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

Sacramento County • Population: 31,370 • Data updated: September 2026

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Should you buy in 95829 (Sacramento, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • Flat appreciation: Values have barely moved over 5 years (1.5% CAGR).
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Sacramento, CA (95829)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $592,024
Avg Monthly Rent $2,760
1% Rule ✗ Does Not Meet
Median Income $111,523
% Renters 23.8%

Market Analysis: 95829 Sacramento

ZIP 95829 in Sacramento, CA carries a healthy set of headwinds. Home values near $592K and rents of $2,760/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 95829 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

ZIP 95829's metrics run below Sacramento County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

A durable renter share of 24% in 95829 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. durable returns are possible in 95829, but they flow to investors who already understand how to operate in soft markets.

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: 62/100
Affordability
10/25
Appreciation
14/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.3× the median income
Value Trend
Declining (-0.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,760/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 95829

Which property type performs best in this market?

Best for Cash Flow
3BR
4.9% cap rate
Best for Appreciation
5BR
+5.3% 5yr CAGR
Best Overall Value
5BR
$146,821/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $459,955 $2,720 4.3% +3.5% $229,977
3BR $528,181 $3,620 4.9% +4.8% $176,060
4BR $613,759 $4,170 4.9% +5.1% $153,440
5BR $734,103 +5.3% $146,821

Market Trends

Home Value History (with trend line)

$676K$574K$472K$370K$268K$167KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,859$2,777$2,696$2,614$2,532$2,451Oct 2024Sep 2025Jul 2026

📊 How Does 95829 Compare?

Metric 95829 Sacramento Sacramento-Roseville-Folsom, CA California
Home Value $592,024 $548,409 N/A $761,003
5-Year CAGR 1.5% 1.1% N/A 5.7%
Avg Rent $2,760 $2,119 N/A -
Cap Rate 3.6% 3.2% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95829 (Sacramento, CA). Anonymous, moderated, never written by AI.

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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

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

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

Investability
Fair
Cap Rate
3.6%
Low
5yr Growth
+1.5%
Slow

📊 Market Snapshot

Home Value $592,024
Monthly Rent $2,760
Price-to-Rent 17.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 5.1%

📈 Home Appreciation

1-Year -0.2% ▼
3-Year CAGR +0.3% ▲
5-Year CAGR +1.5% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year +2.0% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
1.3%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.5%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95829

Population: 31,370

💰 Median Household Income
$111,523
This area
$111,523
State
$94,164
USA
$74,580
🏠 Renter Occupied
23.8%
This area
23.8%
State
39.3%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-16.6%
USA
3.7%
🎓 College Educated
30.8%
This area
30.8%
State
7.7%
USA
33.7%
👤 Median Age
36.7 years
This area
36.7 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
1.3%
This area
1.3%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Asian 39.7%
White 32.9%
Other/Mixed 19.5%
Hispanic/Latino 11.7%
Black/African American 8.0%
👶 Under 18
26.4%
This area
26.4%
USA
22.0%
👴 65 and Over
12.9%
This area
12.9%
USA
17.3%
📊 Poverty Rate
9.4%
This area
9.4%
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 95829

C+ Avg School Grade
5 Schools
23.5:1 Avg Class Size
$16,975 Avg Per Pupil

Schools in This ZIP Code

B Good

Robert J. Fite Elementary

📚 K – 06 School
👥
655 Students
👨‍🏫
23.4:1 Class Size
💰
$16,975 Per Student
C+ Average

Arnold Adreani Elementary

📚 K – 06 School
👥
901 Students
👨‍🏫
23.7:1 Class Size
💰
$16,975 Per Student
C+ Average

Maeola E. Beitzel Elementary

📚 K – 06 School
👥
893 Students
👨‍🏫
25.5:1 Class Size
💰
$16,975 Per Student
C+ Average

T. R. Smedberg Middle

📚 07 – 08 Middle
👥
1,046 Students
👨‍🏫
22.1:1 Class Size
💰
$16,975 Per Student
C Below Average

Sheldon High

📚 09 – 12 High School
👥
2,415 Students
👨‍🏫
22.9:1 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 3,515 Off-Campus Students
C
InterCoast Colleges-Rancho Cordova
78 students · 5.1 mi
C
Carrington College-Sacramento
2,288 students · 5.2 mi
D
Carrington College-Administrative Office
0 students · 5.2 mi
C
Cosumnes River College
14,980 students · 5.4 mi
C
MIXED Institute of Cosmetology & Barber
139 students · 5.6 mi
C+
Independent Training & Apprenticeship Program
102 students · 5.9 mi
C+
Charles A Jones Career and Education Center
90 students · 6.1 mi
C+
My Le's Beauty College
168 students · 6.5 mi

Investor Insight: With 3,515 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are rental rates like in Sacramento, CA?

Average rent in Sacramento, CA is approximately $2,760/mo per month. Against $592K home values that yields a reasonable rent-to-price ratio.

How deep is the rental pool in Sacramento, CA?

Expect a solid tenant pool in Sacramento, CA. The rental market absorbs $2,760/mo rents without meaningful friction.

Is real estate in Sacramento, CA a good investment right now?

Sacramento, CA rates 2.0/5 for investability. With median values at $592K and rents near $2,760/mo, the market offers reasonable fundamentals for rental investors.

What are vacancy rates like in Sacramento, CA?

Vacancy in Sacramento, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $2,760/mo.

Can I live-in-and-rent in Sacramento, CA?

The house hack math a challenging in Sacramento, CA. Owner-occupant buyers benefit from the $2,760/mo rents and $592K home values.

You know 95829 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95829 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.

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How 95829 ranks in Sacramento-Roseville-Folsom, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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