Mortgage Payment Calculator for Sacramento, CA
Updated 2026 · Local data pre-filled
The median home price in Sacramento, CA is $480,000, with an effective property tax rate of 0.73% — below the national average of 1.10%. We've pre-filled the calculator with local figures so your estimate reflects what buyers actually pay in Sacramento.
✓ Calculator below is pre-filled with Sacramento local data
How Sacramento Compares to the National Average
Understanding how Sacramento stacks up helps you calibrate your financial planning.
| Metric | Sacramento, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $480,000 | $420,800 | +14.1% |
| Median Monthly Rent | $1,450 | $1,713 | -15.4% |
| Median Household Income | $78,600 | $74,580 | +5.4% |
| Property Tax Rate | 0.73% | 1.10% | -33.6% |
| Cost of Living Index | 126 | 100 | +26.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Sacramento Financial Snapshot
- Population (Metro)
- 2,380,000
- Unemployment
- 4.7%
- Avg Commute
- 28 min
- Median Age
- 36.9
- Price-to-Rent Ratio
- 27.6x
- Annual Property Tax
- $3,504
Mortgage Payment Calculator in Other California Cities
Frequently Asked Questions — Sacramento
What is the median home price in Sacramento, CA?
The median home price in Sacramento is $480,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Sacramento?
Median monthly rent in Sacramento is $1,450. That works out to $17,400/year, or 22% of the median household income — within the commonly recommended 30% of income guideline.
Is Sacramento affordable?
Sacramento's cost of living index is 126 vs. the national average of 100. With a median household income of $78,600/year and a median home price of $480,000, the price-to-income ratio is 6.1x. This makes homeownership a significant stretch for the typical Sacramento household.
What is the property tax rate in Sacramento?
The effective property tax rate in Sacramento is 0.73% of assessed value. On the median home of $480,000, that's roughly $3,504/year ($292/month).