How much is a home worth in ZIP code 95864?

The typical home in 95864 is worth $752,328, based on the Zillow Home Value Index.

Are home values rising in 95864?

Home values in 95864 are up 2.3% over the past year, and up 3.2% a year over five years.

What is the typical rent in 95864?

A typical home in 95864 rents for about $2,252 a month, a gross rental yield of 3.6%.

What is the property tax rate in 95864?

The effective property tax rate in 95864 is 0.7% — roughly $5,361 a year on a typical home.

ZIP code 95864 has a population of 25,500 and a median household income of $127,953.

HousingHandbookReference data

…

U.S. ZIP Code · CA95864

Sacramento County · Sacramento-Roseville-Folsom, CA

Typical home value

$752,328^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +2.3%
5-year / yr: +3.2%
10-year / yr: +4.8%

Relative price

vs U.S.: +164.8%
vs metro: +33.3%
vs state: +7.4%

Price history

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

The typical home in 95864 is worth $752,328 — 33.3% above the Sacramento-Roseville-Folsom, CA median. Over the past year, values have risen 2.3%. Homes here rent for a typical $2,252 a month — a 3.6% 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: $2,252^[2]
Gross yield: 3.6%^[2]
Cap rate: 2.2%^[2]

#Property tax

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

Effective tax rate: 0.7%^[3]
Typical annual tax: $5,361^[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: 25,500^[3]
Median household income: $127,953^[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: 8
Elementary: 4
Middle: 1
High: 2

Rio Americano High
High · Grades 9–12 · San Juan Unified
1,867 students
Arden Middle
Middle · Grades 6–8 · San Juan Unified
956 students
Thomas Edison Language Institute K-8
Elementary · Grades K–8 · San Juan Unified
863 students
Sierra Oaks K-8
Elementary · Grades K–8 · San Juan Unified
619 students
Gateway International
Elementary · Grades K–8 · Gateway International District
592 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 yield3.6%

Net yield (after ~40% expenses)2.2%

Annual rent$27,029

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$3,804

Loan principal$601,863

Down payment$150,466

Total interest paid$767,643

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 ratio2.16

Monthly cost to own$4,876

Monthly rent$2,252

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: 92nd percentile^[1]
Rental yield: 11th percentile^[2]
Property tax: 59th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95864?: The typical home in 95864 is worth $752,328, based on the Zillow Home Value Index.
Are home values rising in 95864?: Home values in 95864 are up 2.3% over the past year, and up 3.2% a year over five years.
What is the typical rent in 95864?: A typical home in 95864 rents for about $2,252 a month, a gross rental yield of 3.6%.
What is the property tax rate in 95864?: The effective property tax rate in 95864 is 0.7% — roughly $5,361 a year on a typical home.
Who lives in 95864?: ZIP code 95864 has a population of 25,500 and a median household income of $127,953.

#Comparable ZIPs

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

95819 vs 95864 →
Sacramento, CA
Typical home
$758,709
Gross yield
3.8%
95728 vs 95864 →
Soda Springs CDP, CA
Typical home
$758,920
Gross yield
—
95630
Folsom, CA
Typical home
$767,870
Gross yield
4.1%
95607
Esparto CDP, CA
Typical home
$731,909
Gross yield
—
96143
Kings Beach CDP, CA
Typical home
$777,961
Gross yield
—
95765
Rocklin, CA
Typical home
$725,702
Gross yield
4.2%

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

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Pit ZIP 95864 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · CA95864

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