Sacramento County, California: What It Costs to Buy a Home
The median home in Sacramento County is worth $534,200, property taxes on it run about $3,768 a year (0.76%), the FHA loan limit is $764,750, and closing on it means about $588 in transfer tax plus $1,821 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $534,200 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,768 a year, 0.76% of value | Property tax page → |
| FHA loan limit (1 unit) | $764,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $588 | California transfer tax page → |
| Title insurance on the median home | $1,646 owner's + $175 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $82 | Recording fees page → |
| Closing costs from these items | $2,491 | Closing costs page → |
| Down payment help | 1 local program found | First-time buyer page → |
| Area median income (HUD, family of 4) | $124,000; low-income limit $105,100 | Income limits page → |
Frequently asked questions
How much do homes cost in Sacramento County?
The median owner-occupied home in Sacramento County is valued at $534,200, per U.S. Census Bureau QuickFacts, Sacramento County, California - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year).
How much are property taxes in Sacramento County?
The median Sacramento County homeowner pays $3,768 a year in real estate taxes, about 0.76% of the median home value ($4,070 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Sacramento County?
$764,750 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Sacramento County?
On the $534,200 median home: transfer tax $588, title insurance $1,821 for both policies, recording fees about $82, about $2,491 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Sacramento County?
HUD's FY 2026 median family income for Sacramento County (Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area) is $124,000. A family of four counts as low income below $105,100 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby California counties
- Placer County $658,800
- Plumas County $327,400
- Riverside County $557,300
- San Benito County $751,500
- San Bernardino County $505,000
- San Diego County $791,600
Sources
- U.S. Census Bureau QuickFacts, Sacramento County, California - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
Every California county → California closing costs →
General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
Counties in every state