Fair Oaks, California.
Typical home $611,545 (+0.8% in a year), asking rent $2,089 (+4.5%). Sacramento-Roseville-Folsom, CA metro.
to buy the typical home at today's mortgage rate — +$1,465 (+84%) since Jan 2020.
- 1 year
- Up $4,844 +1%
- $606,701$611,545 since Sep 2025
- 5 years
- Up $24,345 +4%
- $587,200$611,545 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.
- Fair Oaks$3,210
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 85 years.
Typical home values in Fair Oaks, CA rose 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Fair Oaks, CA rose 4.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Fair Oaks runs $2,149/mo more than renting one. The gap peaked at $2,479 in Oct 2023.
That is $4,239 a month against $2,089 rent: a $3,210 mortgage payment, plus $374 property tax and $655 insurance & upkeep.
Owning vs renting — Fair Oaks
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.
- Owning all in$4,239
- Renting$2,089
- Mortgage only$3,210
Property tax · $374/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Sacramento County, CA
Insurance & upkeep · $655/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.
Living in Fair Oaks, Sacramento County, California
Fair Oaks, in Sacramento County, had 32,514 people in the 2020 census. Half its households earn more than $116,975 a year and half less, against $92,175 across Sacramento County; 7% of its people live below the poverty line. 71% of its homes are lived in by their owners and 29% are rented. Unemployment in Sacramento County was 5.3% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Fair Oaks is a community in Sacramento County with an older population than most places, and household incomes well above the county's. Most homes are lived in by their owners, and relatively few residents live below the poverty line. A large share of adults hold a four-year degree. Winters are cool and mostly frost-free, with little or no snow, and summers are hot and dry.
Work. Residents work mainly in schools, hospitals and social care, in professional and business services, in shops and in government. Among the largest workplaces in Fair Oaks are Mackenzie, a skilled nursing facility, Oakmont of Fair Oaks, an assisted-living community, and the Raley's supermarkets. Commutes are fairly long, and a good number of people work from home.
Things to do. A short drive away, Folsom Lake is a reservoir for time on the water, and Folsom Powerhouse State Historic Park is a protected area with a look back at the region's history. The North Fork American River is also a short drive off. Farther afield, the Crocker Art Museum in Sacramento is a longer drive away.
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- 13,099households
- 49%of adults have a degree
- 7%below the poverty line
- 30 mintypical commute
- 24%work from home
What residents work in
Employed residents by industry, from the Census survey. Sacramento County had 733,061 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 56° and lows near 41°; warmest in July, with highs near 94° and lows near 61°. About 19 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Sacramento Ese weather station, 11 miles away (NOAA).
Largest workplaces in Fair Oaks
- MackenzieSkilled nursing facilities249
- Trader Joe's 0071 Fair OaksGrocery store113
- Raleys 421-Fair OaksSupermarkets and other grocery retailers84
- Raleys 417-Fair OaksSupermarkets and other grocery retailers78
- Oakmont of Fair OaksAssisted-living facilities without on-site nursing care facilities77
- Rollingwood YMCASocial organizations, civic and fraternal74
- Sunrise Senior Living, LLC.Assisted living65
- Fair OaksMail and parcel delivery55
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 879 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Fair Oaks’ census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Sacramento County and the Sacramento-Roseville-Folsom, CA metro.
Fair Oaks home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Fair Oaks$611,545
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Fair Oaks listings, and the typical home goes pending in 21 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Fair Oaks34.19%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Fair Oaks21
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Fair Oaks139
New listings per month
Sellers arriving at the market.
- Fair Oaks43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Fair Oaks$626,751
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Fair Oaks99.51%
Zip codes with a Fair Oaks address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Fair Oaks — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.