Location: Sacramento--Roseville--Arden-Arcade, CA | Metro: Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,120 |
| 1 Bedroom | $1,150 |
| 2 Bedrooms | $1,410 |
| 3 Bedrooms | $1,850 |
| 4 Bedrooms | $2,130 |
| 5 Bedrooms | $2,471 |
| 6 Bedrooms | $2,768 |
| 7 Bedrooms | $2,989 |
| 8 Bedrooms | $3,138 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 1BR | $1,150 | $236,635 | 0.49% | F |
| 2BR | $1,410 | $329,536 | 0.43% | F |
| 3BR | $1,850 | $414,000 | 0.45% | F |
| 4BR | $2,130 | $512,529 | 0.42% | F |
U.S. Census Bureau data (2024)
The real estate landscape in ZIP 95726, Pollock Pines, CA, reveals a market poised for stability and gradual growth over the next 12-24 months. The median home value stands at $400,519, indicating a relatively affordable area compared to many parts of California. With only 0.2% of listings experiencing reductions, it's evident that sellers maintain strong pricing power, suggesting that homes are holding their value well. The median Days on Market (DOM) being listed as N/A could imply either an exceptionally quick sale rate or a limited number of sales, both scenarios pointing towards a robust demand for properties in the area.
On the rental side, the Federal Market Rent (FMR) for ZIP 95726 in fiscal year 2024 is set at $1,690, while the current market rent is reported at $1,292 according to Census ACS data. This gap signals potential upward pressure on rents, as landlords can likely increase rates closer to the FMR without losing tenants. The disparity also suggests that rental properties in Pollock Pines are undervalued relative to government standards, offering a good opportunity for long-term investors looking to capitalize on future rent increases.
For long-hold investors, the setup in Pollock Pines implies a realistic appreciation thesis based on the convergence of home values and rents towards their respective benchmarks. As the local economy continues to grow and attract new residents, the demand for housing will likely rise, supporting higher property values and rents. However, given the low percentage of price reductions and stable median home value, rapid appreciation is unlikely. Instead, the market points toward steady, reliable growth, making it a solid choice for those seeking long-term, consistent returns rather than speculative gains.
To summarize, the current data paints a picture of a resilient real estate market in Pollock Pines, where homeowners and landlords have considerable pricing power. The modest appreciation and rental growth suggest a favorable environment for those willing to invest for the long term, with a focus on building equity and increasing rental income as the market adjusts to broader economic trends.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.