How much is a home worth in ZIP code 95838?

The typical home in 95838 is worth $397,794, based on the Zillow Home Value Index.

Are home values rising in 95838?

Home values in 95838 are down 1.7% over the past year, and up 2.2% a year over five years.

What is the typical rent in 95838?

A typical home in 95838 rents for about $2,050 a month, a gross rental yield of 6.2%.

What is the property tax rate in 95838?

The effective property tax rate in 95838 is 0.7% — roughly $2,866 a year on a typical home.

ZIP code 95838 has a population of 40,677 and a median household income of $68,349.

HousingHandbookReference data

…

U.S. ZIP Code · CA95838

Sacramento County · Sacramento-Roseville-Folsom, CA

Typical home value

$397,794^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -1.7%
5-year / yr: +2.2%
10-year / yr: +7.1%

Relative price

vs U.S.: +40.0%
vs metro: -29.5%
vs state: -43.2%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95838 is worth $397,794 — 29.5% below the Sacramento-Roseville-Folsom, CA median. Over the past year, values have fallen 1.7%. Homes here rent for a typical $2,050 a month — a 6.2% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,050^[2]
Gross yield: 6.2%^[2]
Cap rate: 3.7%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $2,866^[3]

#Climate risk

FEMA National Risk Index ratings for Sacramento County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively High
Coastal flood: No Rating
Wildfire: Relatively Moderate
Drought: Relatively High
Heat wave: Relatively Moderate
Hurricane: Not Applicable
Tornado: Relatively Moderate
Earthquake: Relatively High
Winter weather: Very Low

#Who lives here

Population: 40,677^[3]
Median household income: $68,349^[3]

#Migration

Household moves in and out of Sacramento County over a year, from IRS tax-return data.

Net migration: -2,485^[5]
Moved in: 31,384
Moved out: 33,869

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 21
Elementary: 9
Middle: 2
High: 4

Highlands Community Charter
Other · Grades 1–12 · Highlands Community Charter District
9,069 students
California Innovative Career Academy
Other · Grades 1–12 · California Innovative Career Academy District
3,180 students
Grant Union High
High · Grades 9–12 · Twin Rivers Unified
2,016 students
Katherine Johnson Middle
Middle · Grades 6–8 · San Juan Unified
616 students
Keema School for Independent Study
Other · Grades K–12 · Twin Rivers Unified
582 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield6.2%

Net yield (after ~40% expenses)3.7%

Annual rent$24,596

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,011

Loan principal$318,236

Down payment$79,559

Total interest paid$405,892

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.26

Monthly cost to own$2,582

Monthly rent$2,050

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 47th percentile^[1]
Rental yield: 91st percentile^[2]
Property tax: 61st percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95838?: The typical home in 95838 is worth $397,794, based on the Zillow Home Value Index.
Are home values rising in 95838?: Home values in 95838 are down 1.7% over the past year, and up 2.2% a year over five years.
What is the typical rent in 95838?: A typical home in 95838 rents for about $2,050 a month, a gross rental yield of 6.2%.
What is the property tax rate in 95838?: The effective property tax rate in 95838 is 0.7% — roughly $2,866 a year on a typical home.
Who lives in 95838?: ZIP code 95838 has a population of 40,677 and a median household income of $68,349.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95726 vs 95838 →
Pollock Pines CDP, CA
Typical home
$400,010
Gross yield
—
95825 vs 95838 →
Arden-Arcade CDP, CA
Typical home
$404,387
Gross yield
5.0%
95820
Sacramento, CA
Typical home
$405,120
Gross yield
6.6%
95660
North Highlands CDP, CA
Typical home
$387,341
Gross yield
6.6%
95641
Walnut Grove CDP, CA
Typical home
$409,247
Gross yield
—
95634
Georgetown CDP, CA
Typical home
$416,617
Gross yield
—

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

Compare ZIPs

Pit ZIP 95838 against any other ZIP — full side-by-side table.

Compare 95838 →

#Jump to section

U.S. ZIP Code · CA95838

Get more data on ZIPs like this

Get more data on ZIPs like this