ZIP Code 95838 — Sacramento, CA Home Prices (2026)

The typical home in ZIP 95838 (Sacramento, California) is worth about $400,000 at roughly $318 per square foot — 16% more affordable than the Sacramento median and 36% more expensive than the typical U.S. home.

$400,000

Typical home value

$318

Price per sq ft

#23 of 26

Sacramento ZIPs by value

-16%

vs Sacramento median

How 95838 compares

ZIP 95838 is one of the more affordable ZIP codes in Sacramento: its typical home value of $400,000 ranks #23 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 $318, against $344 for Sacramento as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95838	$400,000	$318
Sacramento, CA	$477,000	$344
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95838

Using this ZIP’s rate of about $318 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	$318,000
1,500 sq ft	$477,000
2,000 sq ft	$636,000
2,500 sq ft	$795,000
3,000 sq ft	$954,000

Salary needed to buy a home in ZIP 95838

To buy the typical $400,000 home in ZIP 95838 with 20% down, you need a household income of roughly $109,000 a year (about $2,540 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $129,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$20,000	$3,160/mo	$135,000/yr
10% (+PMI)	$40,000	$3,020/mo	$129,000/yr
20%	$80,000	$2,540/mo	$109,000/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 95838

At about $318 per square foot, here is roughly how much home different budgets get you in ZIP 95838:

Budget	Approx. size	What that looks like locally
$200k	630 sq ft	below the local median — condos, smaller or older homes
$250k	790 sq ft	below the local median — condos, smaller or older homes
$300k	940 sq ft	below the local median — condos, smaller or older homes
$400k	1260 sq ft	around the typical home here
$500k	1570 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 95838 home.

Estimate a specific home in 95838

The estimator below is pre-set to ZIP 95838 — 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 95838 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	$404,000	$397
22	95825	$402,000	$284
23	95838 (this page)	$400,000	$318
24	95660	$389,000	$343
25	95824	$370,000	$353
26	95815	$359,000	$356

ZIP 95838 home prices: frequently asked

What is the average home price in ZIP code 95838? +

The typical home in ZIP 95838 (Sacramento, CA) is worth about $400,000 as of 2026. That is 16% more affordable than the Sacramento median of $477,000 and 36% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95838? +

About $318 per square foot in 95838, versus $344 across Sacramento and $455 across California. At that rate a 1,500 sq ft home runs roughly $477,000 and a 2,500 sq ft home about $795,000.

What salary do you need to buy a house in ZIP 95838? +

For the typical $400,000 home in ZIP 95838, a household income of about $109,000 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 $129,000; with 5% down about $135,000.

Is 95838 an expensive ZIP code? +

Within Sacramento, 95838 ranks #23 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.