Folsom, California.
Typical home $754,898 (-0.0% in a year), asking rent $2,667 (+4.5%). Sacramento-Roseville-Folsom, CA metro.
to buy the typical home at today's mortgage rate — +$1,838 (+87%) since Jan 2020.
- 1 year
- Down $133 -0%
- $755,031$754,898 since Sep 2025
- 5 years
- Up $18,167 +2%
- $736,731$754,898 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.
- Folsom$3,962
- California$3,997
- United States$1,922
Typical home values in Folsom, CA fell 0.0% over the past year — slower than the nation's +1.2%.
Asking rents in Folsom, CA rose 4.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Folsom runs $2,565/mo more than renting one. The gap peaked at $3,029 in Oct 2023.
That is $5,232 a month against $2,667 rent: a $3,962 mortgage payment, plus $462 property tax and $808 insurance & upkeep.
Owning vs renting — Folsom
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$5,232
- Renting$2,667
- Mortgage only$3,962
Property tax · $462/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Sacramento County, CA
Insurance & upkeep · $808/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 Folsom, Sacramento County, California
Folsom is a city of 80,454 people in Sacramento County. Half its households earn more than $139,804 a year and half less, against $92,175 across Sacramento County; 5% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Folsom was 4.4% in August 2026, and Sacramento 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. Folsom is a sizeable city, and most homes here are lived in by their owners, while incomes run well above the county's. Few residents live below the poverty line, and a four-year degree is common among adults. Winters are mild, with little or no snow and cool days in December, while summers turn hot by July.
Work. Residents work mostly in schools, hospitals and social care, with many others in professional and business services, manufacturing and shops. Some of the largest workplaces in town are the California Independent System Operator, Mercy Hospital of Folsom and Costco Wholesale. The commute is of a moderate length, and a good many people work from home.
Things to do. Folsom Lake is a reservoir a short drive away, and Lake Natoma, also a reservoir, lies in or beside town. Folsom Powerhouse State Historic Park, a protected area, is in or beside town as well. For a longer outing, the Crocker Art Museum is a longer drive away.
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- 29,963households
- 55%of adults have a degree
- 5%below the poverty line
- 27 mintypical commute
- 31%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, 17 miles away (NOAA).
Largest workplaces in Folsom
- California Independent System OperatorElectric power control747
- Mercy Hospital of FolsomGeneral hospital682FTE
- Costco WholesaleWholesale grocer419
- RJP Framing409
- Green Acres Nursery & SupplyGarden centers364
- WalmartWarehouse clubs and supercenters319
- Vibra Hospital of SacramentoLong-term care hospital304FTE
- CorvelManagement services270
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 43 workplaces with 20 or more staff, 6,403 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. 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
- Inland floodingRelatively high
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Folsom’s census tracts, against the rest of the country; all of them together, relatively moderate. 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.
Folsom home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Folsom$754,898
- 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 Folsom listings, and the typical home goes pending in 21 days — the market is heating up.
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.
- Folsom31.92%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Folsom21
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Folsom234
New listings per month
Sellers arriving at the market.
- Folsom83
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Folsom$754,470
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Folsom99.55%
Zip codes with a Folsom address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Folsom — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.