ZIP code 95814

ZIP 95814 is a mid-size town in Sacramento County, California, with 12,355 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #957 of 1,803 ranked by population — larger than 46% of them. The median age here is 37.7 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 95814 earn a median of $46,637 a year, 40.6% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 26.9% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 95814 is valued at $621,400, 104.8% above the national figure, while median gross rent runs $1,226 a month, 12.8% below the national figure, or roughly $14,712 across a full year. A household on the local median income would put about 31.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 13.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 10.4% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 13.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 95814 is tabulated inside Sacramento County, California, one of 55 ZIP areas the Census publishes for that county and 1,803 across California. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95814 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95814 reports a median household income of $46,637, 48% below the $89,294 county median, and 48% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $621,400, 24% above the county figure and close to the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,226 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 95814 carries 8.75% at the register, assembled from the Sacramento jurisdiction stack: the California state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 95814 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95814 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.