Can You Afford to Buy a Home in Sacramento-Roseville-Folsom?
The median home in Sacramento-Roseville-Folsom costs $559,000. To afford it at current mortgage rates with 20% down, you need a household income of about $150,171/year. Your monthly payment would be around $3,504, including taxes and insurance.
Based on national median home values adjusted by Sacramento-Roseville-Folsom’s Regional Price Parity (106.67). Current 30-year fixed rate: 6.52% (Freddie Mac, as of Jun 11, 2026). Methodology
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Monthly payment breakdown
$559,000 home, 20% down, 6.52% rate, 30-year fixed
Rent vs. buy in Sacramento-Roseville-Folsom
Buying costs $1,249/mo more than renting, but you build equity. Over 5 years at current appreciation rates, homeowners in similar markets have gained significant equity.
What can you afford in Sacramento-Roseville-Folsom?
Home price you can afford at each salary level (28% DTI, 20% down)
| Salary | Home you can afford | Monthly payment |
|---|---|---|
| $50K | $98K | $3,504 |
| $75K | $213K | $3,504 |
| $100K | $328K | $3,504 |
| $125K | $443K | $3,504 |
| $150K | $558K | $3,504 |
| $200K | $788K | $3,504 |
Based on 28% front-end DTI ratio, 20% down payment, 6.52% 30-year fixed rate, 1.1% property tax, ~$150/mo insurance.
Can common careers afford a home in Sacramento-Roseville-Folsom?
Local median salary vs. the $150K needed to buy
Frequently asked questions
What salary do I need to buy a home in Sacramento-Roseville-Folsom?
To comfortably afford the median home ($559,000) in Sacramento-Roseville-Folsom with a 20% down payment and current mortgage rates, you need a household income of about $150,171. That keeps your housing costs at or below 28% of your gross income, which is the standard lender guideline.
How much does a house cost in Sacramento-Roseville-Folsom?
The median home price in the Sacramento-Roseville-Folsom, CA metro area is $559,000, based on the Census ACS 2023 median home value for the metro. Prices vary widely by neighborhood. A 20% down payment would be $111,800, or $27,950 at 5% down.
What would my monthly mortgage be in Sacramento-Roseville-Folsom?
On a $559,000 home with 20% down at current rates, your estimated monthly payment would be $3,504 including principal, interest, property tax, and insurance. With only 5% down, add about $221/mo for PMI.
Is it cheaper to rent or buy in Sacramento-Roseville-Folsom?
Median 2-bedroom rent in Sacramento-Roseville-Folsom is $2,255/mo (HUD Fair Market Rent). The estimated mortgage payment on the median home is $3,504/mo. Buying is significantly more expensive monthly, though you build equity.