ZIP Code 95816 — Sacramento, CA Home Prices (2026)

The typical home in ZIP 95816 (Sacramento, California) is worth about $724,000 at roughly $508 per square foot — 52% more expensive than the Sacramento median and 146% more expensive than the typical U.S. home.

$724,000

Typical home value

$508

Price per sq ft

#4 of 26

Sacramento ZIPs by value

+52%

vs Sacramento median

How 95816 compares

ZIP 95816 is one of the pricier ZIP codes in Sacramento: its typical home value of $724,000 ranks #4 of the 26 Sacramento ZIP codes we track (the citywide range runs from $359,000 in 95815 to $1,006,000 in 95837). Per square foot it costs about $508, against $344 for Sacramento as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95816	$724,000	$508
Sacramento, CA	$477,000	$344
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95816

Using this ZIP’s rate of about $508 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$508,000
1,500 sq ft	$762,000
2,000 sq ft	$1,016,000
2,500 sq ft	$1,270,000
3,000 sq ft	$1,524,000

Salary needed to buy a home in ZIP 95816

To buy the typical $724,000 home in ZIP 95816 with 20% down, you need a household income of roughly $197,000 a year (about $4,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $234,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$36,200	$5,710/mo	$245,000/yr
10% (+PMI)	$72,400	$5,460/mo	$234,000/yr
20%	$144,800	$4,600/mo	$197,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 95816

At about $508 per square foot, here is roughly how much home different budgets get you in ZIP 95816:

Budget	Approx. size	What that looks like locally
$400k	790 sq ft	below the local median — condos, smaller or older homes
$500k	980 sq ft	below the local median — condos, smaller or older homes
$600k	1180 sq ft	around the typical home here
$750k	1480 sq ft	around the typical home here
$1.00M	1970 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95816 home.

Estimate a specific home in 95816

The estimator below is pre-set to ZIP 95816 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Sacramento ZIP codes by home value

Where 95816 sits among Sacramento’s 26 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	95837	$1,006,000	$583
2	95819	$761,000	$543
3	95864	$755,000	$419
4	95816 (this page)	$724,000	$508
5	95818	$719,000	$505
6	95831	$634,000	$344
7	95829	$592,000	$298
8	95811	$583,000	$517
9	95835	$572,000	$282
10	95814	$537,000	$391
11	95834	$524,000	$295
12	95821	$500,000	$334
13	95817	$480,000	$463
14	95826	$474,000	$320
15	95833	$457,000	$304
16	95822	$438,000	$368
17	95841	$436,000	$298
18	95823	$430,000	$273
19	95842	$424,000	$297
20	95832	$422,000	$295
21	95820	$404,000	$397
22	95825	$402,000	$284
23	95838	$400,000	$318
24	95660	$389,000	$343
25	95824	$370,000	$353
26	95815	$359,000	$356

ZIP 95816 home prices: frequently asked

What is the average home price in ZIP code 95816? +

The typical home in ZIP 95816 (Sacramento, CA) is worth about $724,000 as of 2026. That is 52% more expensive than the Sacramento median of $477,000 and 146% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95816? +

About $508 per square foot in 95816, versus $344 across Sacramento and $455 across California. At that rate a 1,500 sq ft home runs roughly $762,000 and a 2,500 sq ft home about $1,270,000.

What salary do you need to buy a house in ZIP 95816? +

For the typical $724,000 home in ZIP 95816, a household income of about $197,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $234,000; with 5% down about $245,000.

Is 95816 an expensive ZIP code? +

Within Sacramento, 95816 ranks #4 of 26 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Sacramento. Nationally it is relatively expensive.

See the full Sacramento home values page, all California cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.