ZIP Code 95816 — Sacramento, California

The median home in 95816 is valued at $743,500 against a median household income of $83,933, a price-to-income ratio of 8.9. That is 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, so buying here on a local median income requires substantial savings or a second income. Within Sacramento County, 95816 ranks 49 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 21.7% of median household income (median rent $1,521 a month), under the 30% cost-burden threshold.

95816 ranks 827 of 1,558 statewide on median household income and 550 of 1,558 on median home value; its income is in line with the $83,933 Sacramento County median. 27% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 65% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 9.9%, below the 10.8% statewide ZIP median. Unemployment stands at 3.4%.

With 6,790 residents per square mile across 2.7 square miles of land, 95816 is far denser than the statewide ZIP median of 1,120 (rank 316 of 1,558). This is predominantly single-family residential with suburban street patterns.