The typical owner-occupied home in West Sacramento is worth about $525,800, 28% below the California median of $734,700 and 58% above the national median of $332,700. Owners pay a median $4,722 a year in property taxes, about 0.90% of their home's value, higher than the California rate of 0.70%. The median household earns $93,188 a year, so the median home costs 5.6 times the median income (7.4 times for California). 60% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
West Sacramento at a glance
| West Sacramento | California | U.S. | |
|---|---|---|---|
| Median home value | $525,800 | $734,700 | $332,700 |
| Median property tax paid per year | $4,722 | $5,124 | $3,119 |
| Property tax as a share of value | 0.90% | 0.70% | 0.94% |
| Median household income | $93,188 | $99,122 | $80,734 |
| Homes lived in by their owners | 60% | 56% | 65% |
| Owner homes with a mortgage | 72% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,487 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 23.2% | 24.8% | 21.0% |
| Median rent | $1,665 | $2,036 | $1,413 |
| Rent as a share of renters' income | 30.9% | 32.8% | 30.6% |
| Median year homes were built | 1987 | 1976 | 1980 |
| Vacant homes | 7.0% | 7.5% | 10.1% |
| Population | 54,927 | 39,287,377 | 334,922,499 |
What a typical home costs per month in West Sacramento
At this week's average 30-year rate of 7.11%, buying the median West Sacramento home of $525,800 with 20% down costs about $3,443 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,319, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $147,561 for the 20%-down payment. That payment is 44% of the median West Sacramento household income of $93,188; at that income and 20% down, the 28% guideline points to a home of about $332,000.
The median rent here is $1,665 a month, so owning the median home costs about $1,778 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $105,160 |
|---|---|
| Loan amount | $420,640 |
| Principal and interest | $2,830 |
| Property taxes (0.90% a year) | $394 |
| Homeowners insurance (our estimate, 0.5% a year) | $219 |
| PMI | $0 |
| Total per month | $3,443 |
Change the numbers in the calculator
| Down payment | $18,403 |
|---|---|
| Loan amount | $516,276 |
| Principal and interest | $3,473 |
| Property taxes (0.90% a year) | $394 |
| Homeowners insurance (our estimate, 0.5% a year) | $219 |
| FHA mortgage insurance | $233 |
| Total per month | $4,319 |
Change the numbers in the calculator
Questions about home buying in West Sacramento
What is the median home value in West Sacramento?
About $525,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in West Sacramento?
Homeowners pay a median $4,722 a year, which is about 0.90% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in West Sacramento?
For the median home with 20% down at 7.11%, the payment is about $3,443 a month. Keeping that under 28% of gross income takes about $147,561 a year.
More about West Sacramento
- Mortgage Refinance in West Sacramento
- Debt Relief in West Sacramento
- Home Equity Loans in West Sacramento
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data