ZIP Code 95821 — Sacramento, California

The median home in 95821 is valued at $428,700 against a median household income of $56,019, a price-to-income ratio of 7.7. 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, 95821 ranks 45 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 27.5% of median household income (median rent $1,283 a month), under the 30% cost-burden threshold.

95821 ranks 1,324 of 1,558 statewide on median household income and 1,060 of 1,558 on median home value; its income is below the $83,933 Sacramento County median. 49% of households own their home, below the 64% statewide ZIP median, so most residents rent. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 17.3%, far above the 10.8% statewide ZIP median. Unemployment stands at 9.9%.

With 5,273 residents per square mile across 7.1 square miles of land, 95821 is far denser than the statewide ZIP median of 1,120 (rank 427 of 1,558). This is predominantly single-family residential with suburban street patterns.