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 | $1,660 |
| 1 Bedroom | $1,710 |
| 2 Bedrooms | $2,100 |
| 3 Bedrooms | $2,750 |
| 4 Bedrooms | $3,180 |
| 5 Bedrooms | $3,689 |
| 6 Bedrooms | $4,132 |
| 7 Bedrooms | $4,463 |
| 8 Bedrooms | $4,686 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 3BR | $2,750 | $380,763 | 0.72% | D |
U.S. Census Bureau data (2024)
321,140 The median home value in ZIP code 95735 stands at $321,140, offering a solid investment base for real estate assets. 2020 The Fair Market Rent (FMR) for the area, as of FY 2024, is set at $2020, which provides a benchmark for rental pricing. 0.0% Despite the high median home value, the renter share in this ZIP code is an exceptionally low 0.0%, indicating a predominantly owner-occupied market. 111,125 With a median income of $111,125, residents have strong purchasing power, which could support higher property values and potentially lower vacancy rates. N/A The days on market (DOM) and the percentage of listings that experience price cuts are not available, suggesting either a robust market with quick sales or limited data on recent transactions.
321,140 In ZIP 95735, the median home value suggests a stable housing market, likely due to the area's desirability and economic strength. 2020 However, the Fair Market Rent figure is significantly lower than what might be expected given the high median home value, indicating a potential gap between market rents and government-set standards. 0.0% The extremely low renter share points to a community where homeownership is prevalent, possibly due to the area's affluent nature and the strong purchasing power of its residents. 111,125 This median income figure supports the idea that the area is economically robust, with residents having the means to afford higher-priced homes, which can translate into a favorable environment for long-term real estate investments.
321,140 For investors looking to capitalize on the high median home value in ZIP 95735, it's crucial to consider the local dynamics that favor homeownership over renting. 2020 The FMR provides a useful reference point but should not be the sole determinant for setting rental prices. 0.0% Given the low renter share, any rental properties in this area must be well-managed and competitively priced to attract tenants. 111,125 Investors should also take into account the high median income, which can influence the demand for premium housing options.
321,140 In conclusion, ZIP 95735 presents a challenging yet rewarding landscape for real estate investment, especially for those considering the Section 8 program. 2020 The disparity between the FMR and the market rent highlights the need for careful consideration when evaluating the viability of Section 8 in this ZIP code. 0.0% Given the low renter share, landlords should expect competition from owner-occupiers and be prepared to offer high-quality, attractive rental units to succeed. 111,125 The strong median income supports the potential for high-value properties but also underscores the importance of aligning rental offerings with the expectations of a wealthy clientele. 321,140 The verdict on Section 8 for ZIP 95735 is that it requires a strategic approach, focusing on premium rentals that meet both tenant needs and the high standards of the local market.
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.