ZIP Code 95814 — Sacramento, California

The median home in 95814 is valued at $619,200 against a median household income of $44,537, a price-to-income ratio of 13.9. That is far above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, which means a household earning the local median income cannot finance the local median home on conventional terms. Within Sacramento County, 95814 ranks 51 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 32.2% of median household income (median rent $1,195 a month), above the 30% cost-burden threshold.

95814 ranks 1,474 of 1,558 statewide on median household income and 751 of 1,558 on median home value; its income is below the $83,933 Sacramento County median. 9% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 39% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 27.9%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 6.2%.

With 8,749 residents per square mile across 1.4 square miles of land, 95814 is far denser than the statewide ZIP median of 1,120 (rank 207 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.