ZIP Code 95820 — Sacramento, CA Home Prices (2026)

The typical home in ZIP 95820 (Sacramento, California) is worth about $404,000 at roughly $397 per square foot — 15% more affordable than the Sacramento median and 37% more expensive than the typical U.S. home.

$404,000

Typical home value

$397

Price per sq ft

#21 of 26

Sacramento ZIPs by value

-15%

vs Sacramento median

How 95820 compares

ZIP 95820 is one of the more affordable ZIP codes in Sacramento: its typical home value of $404,000 ranks #21 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 $397, against $344 for Sacramento as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95820	$404,000	$397
Sacramento, CA	$477,000	$344
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95820

Using this ZIP’s rate of about $397 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	$397,000
1,500 sq ft	$595,500
2,000 sq ft	$794,000
2,500 sq ft	$992,500
3,000 sq ft	$1,191,000

Salary needed to buy a home in ZIP 95820

To buy the typical $404,000 home in ZIP 95820 with 20% down, you need a household income of roughly $110,000 a year (about $2,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $131,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$20,200	$3,190/mo	$137,000/yr
10% (+PMI)	$40,400	$3,050/mo	$131,000/yr
20%	$80,800	$2,560/mo	$110,000/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 95820

At about $397 per square foot, here is roughly how much home different budgets get you in ZIP 95820:

Budget	Approx. size	What that looks like locally
$200k	500 sq ft	below the local median — condos, smaller or older homes
$250k	630 sq ft	below the local median — condos, smaller or older homes
$300k	760 sq ft	below the local median — condos, smaller or older homes
$400k	1010 sq ft	around the typical home here
$500k	1260 sq ft	around the typical home here

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 95820 home.

Estimate a specific home in 95820

The estimator below is pre-set to ZIP 95820 — 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 95820 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	$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 (this page)	$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 95820 home prices: frequently asked

What is the average home price in ZIP code 95820? +

The typical home in ZIP 95820 (Sacramento, CA) is worth about $404,000 as of 2026. That is 15% more affordable than the Sacramento median of $477,000 and 37% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95820? +

About $397 per square foot in 95820, versus $344 across Sacramento and $455 across California. At that rate a 1,500 sq ft home runs roughly $595,500 and a 2,500 sq ft home about $992,500.

What salary do you need to buy a house in ZIP 95820? +

For the typical $404,000 home in ZIP 95820, a household income of about $110,000 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 $131,000; with 5% down about $137,000.

Is 95820 an expensive ZIP code? +

Within Sacramento, 95820 ranks #21 of 26 ZIP codes by typical home value, which makes it one of the more affordable 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.