Zip lookup · CA

95821
Sacramento, California.

Sacramento, Sacramento County, CA · Sacramento-Roseville-Folsom, CA metro · population 38,064

What it costs per month · 95821 $2,550/mo

to buy the typical home at today's mortgage rate — +$1,178 (+86%) since Jan 2020.

What the home itself did
1 year
Up $3,446 +1%
$482,448$485,894 since Sep 2025
5 years
Up $16,310 +3%
$469,584$485,894 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 95821 $2,550 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 95821$2,550
  • United States$1,922

Typical home values in zip 95821 rose 0.7% over the past year — slower than the nation's +1.2%.

Asking rents in zip 95821 rose 1.8% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 95821 runs $1,758/mo more than renting one. The gap peaked at $1,995 in Oct 2023.

That is $3,368 a month against $1,610 rent: a $2,550 mortgage payment, plus $297 property tax and $520 insurance & upkeep.

Owning vs renting — zip 95821

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 $3,000 $3,500 2021 2022 2023 2024 2025 2026 Owning all in $3,368 Renting $1,610 Mortgage only $2,550
$1,500 $2,000 $2,500 $3,000 $3,500 2022 2024 2026
  • Owning all in$3,368
  • Renting$1,610
  • Mortgage only$2,550

Property tax · $297/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Sacramento County, CA

Insurance & upkeep · $520/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Sacramento, CA — measured over the city limits, which is a different area from this zip.

Asking rent $1,610 as of Sep 2026
+1.8%year on year
Typical home value $485,894 as of Sep 2026
+0.7%year on year

Asking rent — 95821

Against the Sacramento-Roseville-Folsom, CA metro and the national benchmark.

$1,250 $1,500 $1,750 $2,000 $2,250 2021 2022 2023 2024 2025 2026 95821 $1,610 Sacramento $2,269 United States $1,932
$1,250 $1,500 $1,750 $2,000 $2,250 2022 2024 2026
  • 95821$1,610
  • Sacramento$2,269
  • United States$1,932

Typical home value — 95821

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 95821 $485,894 Sacramento $572,813 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 95821$485,894
  • Sacramento$572,813
  • United States$366,157

Within 20 miles

Showing 30 of 61 zips in range — sorting picks from all 61.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
2.7 95825 Sacramento 36,156 $1,661 $388,436
2.8 95864 Sacramento 25,500 $2,350 $736,459
3.0 95608 Carmichael 61,440 $1,784 $563,163
3.1 95841 Sacramento 20,500 $1,718 $426,574
3.5 95838 Sacramento 40,677 $2,029 $392,307
3.5 95815 Sacramento 26,658 $2,140 $348,970
3.7 95660 North Highlands 35,451 $2,234 $380,533
4.7 95842 Sacramento 34,034 $1,869 $414,895
4.9 95819 Sacramento 19,737 $2,424 $740,399
5.5 95826 Sacramento 40,165 $1,830 $462,374
5.6 95816 Sacramento 19,225 $1,840 $703,902
5.9 95670 Rancho Cordova 58,819 $2,279 $477,495
6.0 95827 Sacramento 21,742 $1,978 $465,183
6.3 95673 Rio Linda 16,512 — $447,712
6.3 95811 Sacramento 8,810 $1,927 $570,635
6.3 95843 Antelope 47,695 $2,386 $497,405
6.4 95621 Citrus Heights 42,442 $1,935 $444,898
6.5 95817 Sacramento 14,219 $2,200 $461,684
6.7 95814 Sacramento 12,355 $1,997 $516,174
7.0 95820 Sacramento 35,410 $2,102 $394,550
7.1 95833 Sacramento 42,265 $2,283 $448,368
7.3 95628 Fair Oaks 44,855 $2,086 $610,984
7.4 95834 Sacramento 36,245 $2,431 $515,690
7.7 95818 Sacramento 22,581 $1,908 $700,634
7.7 95655 Mather 4,901 — $562,885
7.7 95610 Citrus Heights 46,928 $1,833 $502,458
8.1 95824 Sacramento 33,083 $1,674 $360,704
8.2 95835 Sacramento 42,004 $2,763 $563,341
8.6 95605 West Sacramento 14,896 $2,193 $406,526
9.4 95626 Elverta 5,595 — $508,698

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.