As California’s #1 Retail Mortgage Lender, our Sacramento mortgage brokers work together to make your home financing feel like a win. From fast mortgage pre-approvals to finding the perfect home loan program, we’re dedicated to one thing: You.
Sacramento: Economic Profile & Market Outlook
Located in Sacramento County, Sacramento presents a compelling case for residents and investors alike. This profile highlights the essential economic, real estate, and lifestyle metrics defining the local market.
📉 Economic Landscape & Business Vibe
- Maj Employers: State of California, UC Davis Health, Intel, Kaiser
- Clusters: Government, Health-Tech, Cleantech, Education
- Unempl Rate (2025): 4.9%
- Pop: 525k
- Med Age: 36.8
- Household Income Trend: $82,000 (H1 2024-2025 avg)
🏠 Real Estate Market & Cost of Living
For prospective homeowners and investors, here is the current market snapshot:
- Median Home Price (2025): $540,000
- Inventory Trends: Stable (Balanced)
- Prop Tax Environment: 1.25% (Average Effective). Avg Cost of Living: ~5-10% below state average (Moderate, favorable relative to coastal hubs).
🎓 Education & Family Suitability
Families prioritizing education will find Sacramento to be a strategic choice:
- West Campus | 9-12 | 9/10 | Public
- Natomas Charter | 9-12 | 8/10 | Public
- Mira Loma HS | 9-12 | 8/10 | Public
Family Appeal: Excellent. Sacramento is a top choice for families due to elite academic rankings and active community parks.
🌟 Lifestyle, Culture & Safety
Points of Interest: California State Capitol (C), Old Sacramento Waterfront (H), American River Parkway (N)
Vibe & Safety: Scenic, low-density foothills offering high safety and established, stable vibes. Safest Neighborhoods: East Sacramento, Land Park, Pocket.
- Healthcare: UC Davis Health, Sutter Health
- Public Transit: SacRT
- Utility Providers: SMUD (Electric), PG&E (Gas)
Data sources: California Association of Realtors, US Census Bureau, GreatSchools, and local municipal reports (2024-2026).
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Current Mortgage Rates
Mar 18, 2026
| Program | Rate | APR |
|---|---|---|
| 30-Yr Purchase | 5.750% | 5.773% |
| 30-Yr Refinance | 5.875% | 5.914% |
| 30-Yr FHA Purchase | 5.375% | 5.937% |
| 30-Yr VA Purchase | 5.500% | 5.620% |
| 15-Yr Purchase | 5.250% | 5.269% |
| 15-Yr Refinance | 5.625% | 5.633% |
| 10/6 ARM Purchase | 6.750% | 6.750% |
| 7/6 ARM Purchase | 6.500% | 6.500% |
Rates subject to change. Get Quote
Secure Your Stable Path to Homeownership
Do not let past credit challenges or limited upfront savings stand in your way for another single day. Discover exactly how an FHA loan can rapidly make your long-term housing goals a reality. Reach out to Doos Mortgage today.