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Home Affordability Calculator Sacramento, CA — 2026
Median home price in Sacramento: $485,000. At 6.5% on a 30-year loan with 20% down, the estimated total monthly payment (PITI) is $2,910 — requiring $124,714/year in gross income. Enter your income below for a personalised estimate.
Reviewed for accuracy June 2026 by Gary Sing
Median home price
$485,000
Income needed (annual)
$124,714
Est. monthly PITI
$2,910
Property tax/month
$275
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How much house can you afford in Sacramento at your salary?
Maximum home price at each income level: 6.5% rate, 30-year term, 20% down payment, no existing debt. Property tax (0.68%) and insurance (0.45%) included in the 28% front-end DTI budget.
| Annual income | Max home price | Max monthly budget | Affords Sacramento median? |
|---|---|---|---|
| $50,000 | $194,494 | $1,167/mo | ✗ No |
| $75,000 | $291,741 | $1,750/mo | ✗ No |
| $100,000 | $388,988 | $2,333/mo | ✗ No |
| $125,000 | $486,235 | $2,917/mo | ✓ Yes |
| $150,000 | $583,482 | $3,500/mo | ✓ Yes |
| $175,000 | $680,730 | $4,083/mo | ✓ Yes |
| $200,000 | $777,977 | $4,667/mo | ✓ Yes |
Assumes 20% down, 6.5% rate, 30-year term, zero existing monthly debt. Property tax at 0.68% effective rate; insurance estimated at 0.45% annually. PMI required below 20% down — not included here.
Monthly payment breakdown on the median Sacramento home
$485,000 purchase price with 20% down ($97,000) at 6.5% on a 30-year loan.
Principal & interest (30yr)
$2,453/month on a $388,000 loan at 6.5% over 30 years. Total interest paid over the life of the loan: $495,080.
Property tax (0.68% effective rate)
$275/month ($3,300/year). Sacramento County's effective property tax rate of approximately 0.68% is below the national average, reflecting Prop 13's base rate. New buyers pay closer to 1.1–1.2% including Mello-Roos fees on newer developments in the suburbs, adding to the monthly payment.
Homeowners insurance (est.)
$182/month estimated at 0.45% of home value annually. Rates vary significantly by coverage level, age of home, and local risk factors — always get quotes before closing.
Total PITI (monthly)
$2,910/month estimated. Income needed to keep this under 28% of gross monthly income: $124,714/year.
Sacramento housing market 2026
Sacramento has been one of the most rapidly-appreciating California markets as Bay Area workers relocate seeking affordability. Median prices remain approximately 35–40% of Bay Area levels, creating persistent demand from San Francisco and San Jose commuters working hybrid schedules. Land Park, East Sacramento, and Midtown command premiums; Elk Grove and Roseville are the primary growth suburbs.
Key numbers for Sacramento buyers
- Median home price: $485,000 (2026 estimate)
- 20% down payment: $97,000
- Loan amount (80% LTV): $388,000
- Monthly P&I at 6.5% / 30yr: $2,453
- Monthly P&I at 6.5% / 15yr: $3,380
- Est. PITI (P&I + tax + insurance): $2,910/month
- Income needed (28% front-end DTI): $124,714/year
Compare home affordability by city
📍 Los Angeles, CA
Median $900,000 · income needed $244,543/yr · 1.09% tax
📍 Chicago, IL
Median $330,000 · income needed $101,614/yr · 2.1% tax
📍 Houston, TX
Median $290,000 · income needed $89,143/yr · 2.09% tax
📍 Phoenix, AZ
Median $400,000 · income needed $102,429/yr · 0.65% tax
📍 Miami, FL
Median $580,000 · income needed $155,143/yr · 0.97% tax
📍 Seattle, WA
Median $740,000 · income needed $195,257/yr · 0.87% tax
📍 Denver, CO
Median $560,000 · income needed $141,171/yr · 0.54% tax
📍 Austin, TX
Median $525,000 · income needed $161,614/yr · 2.1% tax
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Home affordability Sacramento — frequently asked questions
How much house can I afford in Sacramento?
On a $100,000 annual income with no other debt, 20% down, and a 6.5% 30-year mortgage, you can afford approximately $388,988 in Sacramento. The median home price in Sacramento is $485,000, which requires approximately $124,714/year in gross income using the 28% front-end DTI rule (principal, interest, property tax, and insurance all within 28% of gross monthly income).
What income do I need to buy a home in Sacramento?
To afford Sacramento's median home price of $485,000 at 6.5% on a 30-year loan with 20% down, you need approximately $124,714/year in gross income. This assumes the full PITI payment of $2,910/month (P&I $2,453 + property tax $275 + insurance $182) stays within 28% of gross monthly income. Existing debts reduce this buying power further.
What is the median home price in Sacramento in 2026?
The estimated median home price in Sacramento in 2026 is approximately $485,000. This varies significantly by neighbourhood — enter the specific purchase price you are evaluating in the calculator above for a personalised estimate.
What are property taxes in Sacramento?
Sacramento, CA's effective property tax rate is approximately 0.68%. On a $485,000 home, that is roughly $275/month or $3,300/year in property taxes. Sacramento County's effective property tax rate of approximately 0.68% is below the national average, reflecting Prop 13's base rate. New buyers pay closer to 1.1–1.2% including Mello-Roos fees on newer developments in the suburbs, adding to the monthly payment.
Is Sacramento affordable to buy in 2026?
Sacramento's median home price of $485,000 requires an annual gross income of approximately $124,714 to qualify under the 28% front-end DTI rule at 6.5% with 20% down. The estimated total monthly payment (PITI) is $2,910/month. Sacramento has been one of the most rapidly-appreciating California markets as Bay Area workers relocate seeking affordability.