Sacramento, CA · standard
ZIP Code 95864
Sacramento County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 22,447
- 1,352/sq mi High-density area
- $127,953
- Median income Above-median income area
- $810,400
- Median home value Above-median home value
- 59.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Sacramento pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 7%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 1,352
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95864 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95864 (Sacramento, CA) rose +2.6% from 2023 to 2024. The all-transactions index moved from 288.9 in 2023 to 296.6 in 2024 (2000 = 100).
ZIP code 95864 is a densely settled ZIP (a standard USPS delivery area) in Sacramento, Sacramento County, California, with 22,447 residents across 16.6 square miles, a density of 1,352 people per square mile, in the Los Angeles time zone.
ZIP 95864 skews affluent, with a median household income of $127,953 (26% above the average California ZIP), while per-capita income is $77,040. The poverty rate is 6.6%, with unemployment at 5.7%; those measures add context to the income figure. Median home value is $810,400 (5% above the average California ZIP) and median rent is $1,736; 75.1% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 59.7% of adults hold a bachelor's degree or higher, the median age is 44.6, and the average commute is 24 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Sacramento County, so 95864 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95864
Top 5 sectors by establishment count in Sacramento, CA
Which industries have the most business establishments in ZIP 95864.
- Professional, scientific, and technical services
Professional, scientific, and technical services
112 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
60 establishments
- Health care and social assistance
Health care and social assistance
58 establishments
- Finance and insurance 39
Finance and insurance
39 establishments
- Construction 37
Construction
37 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95864, Sacramento, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
22,447
Population
16.6
Area (sq mi)
1,352
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95864?
44.6
Median Age
47.2%
Male
52.8%
Female
12.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$127,953
Median Household Income
+26% vs state ZIP avg
$77,040
Per Capita Income
6.6%
Poverty Rate
5.7%
Unemployment Rate
23.7 min
Mean Commute Time
How ZIP 95864 ranks among California ZIPs
Sacramento, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$127,953 Top 22% higher than 78% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,530housing units
10,530
Total Housing Units
10,041
Occupied Units
489
Vacant Units
2.53
Avg Household Size
Occupancy Type
$810,400
Median Home Value
+5% vs state ZIP avg
$1,736
Median Rent
1960
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+2.6%
YoY Change (2024)
297
HPI Index (2000 = 100)
+197%
Total Change Since 2000
Home values in ZIP 95864 have increased 2.6% over the past year (2024). Since 2000, this ZIP has seen +197% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.1% | 224 |
| 2021 | +12.4% | 252 |
| 2022 | +11.8% | 281 |
| 2023 | +2.7% | 289 |
| 2024 | +2.6% | 297 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 441 business establishments in ZIP 95864, employing approximately 3,411 people with a combined annual payroll of $249,769,000.
441
Businesses
3,411
Employees
$249.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 112 | 25.4% |
| Real estate and rental and leasing | 60 | 13.6% |
| Health care and social assistance | 58 | 13.2% |
| Finance and insurance | 39 | 8.8% |
| Construction | 37 | 8.4% |
| Retail trade | 29 | 6.6% |
| Other services (except public administration) | 26 | 5.9% |
| Accommodation and food services | 20 | 4.5% |
| Administrative and support and waste management and remediation services | 19 | 4.3% |
| Information | 9 | 2.0% |
| Arts, entertainment, and recreation | 9 | 2.0% |
| Wholesale trade | 6 | 1.4% |
| Educational services | 6 | 1.4% |
| Manufacturing | 4 | 0.9% |
| Mining, quarrying, and oil and gas extraction | 3 | 0.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95864 vs 95825 →
ZIP 95864 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95608
Carmichael (95608)
59,418 residents
- 95826
Sacramento (95826)
36,628 residents
- 95821
Sacramento (95821)
33,550 residents
- 95825
Sacramento (95825)
31,084 residents
- 95660
North Highlands (95660)
30,714 residents
- 95815
Sacramento (95815)
24,680 residents
- 95864 22,447
Sacramento (95864)
22,447 residents
- 95827 20,269
Sacramento (95827)
20,269 residents
- 95841 19,448
Sacramento (95841)
19,448 residents
What this shows Among its immediate neighbors, ZIP 95864 ranks #7 by population - useful context the national average alone can't give.
ZIP 95864 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95819
Sacramento (95819)
$136,306 median income
- 95864
Sacramento (95864)
$127,953 median income
- 95608
Carmichael (95608)
$86,563 median income
- 95827
Sacramento (95827)
$85,841 median income
- 95826
Sacramento (95826)
$82,127 median income
- 95660
North Highlands (95660)
$68,235 median income
- 95821
Sacramento (95821)
$64,963 median income
- 95825
Sacramento (95825)
$64,602 median income
- 95841
Sacramento (95841)
$61,054 median income
What this shows By household income, ZIP 95864 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95825 | Sacramento, CA | 31,084 | 1.7 mi |
| 95826 | Sacramento, CA | 36,628 | 2.8 mi |
| 95821 | Sacramento, CA | 33,550 | 2.8 mi |
| 95819 | Sacramento, CA | 17,141 | 3.6 mi |
| 95827 | Sacramento, CA | 20,269 | 3.4 mi |
| 95608 | Carmichael, CA | 59,418 | 3.8 mi |
| 95815 | Sacramento, CA | 24,680 | 4.1 mi |
| 95660 | North Highlands, CA | 30,714 | 6.4 mi |
| 95652 | Mcclellan, CA | 739 | 5.5 mi |
| 95841 | Sacramento, CA | 19,448 | 5.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95864, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (22,447 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Sacramento County
Related Areas
Frequently Asked Questions
What county is ZIP code 95864 in?
ZIP code 95864 (Sacramento) is located in Sacramento County, California. Sacramento County contains multiple ZIP codes, see the full list at /counties/sacramento-ca.
What is the population of ZIP code 95864?
ZIP code 95864 in Sacramento, CA has a population of 22,447 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95864?
The median household income in ZIP 95864 is $127,953, which is 68% above the national average of $76,288.
What is the average home value in ZIP 95864?
The median home value in ZIP 95864 is $810,400, which is 191% above the national average of $278,155.
What is the demographic makeup of ZIP 95864?
The largest racial group in ZIP 95864 is White at 69.8%. Hispanic or Latino residents make up 14.5% of the population.
How many businesses are in ZIP code 95864?
ZIP code 95864 has 441 business establishments employing approximately 3,411 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95864?
The top industries by establishment count in ZIP 95864 are: Professional, scientific, and technical services (112), Real estate and rental and leasing (60), Health care and social assistance (58). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95864?
According to the FHFA House Price Index, home values in ZIP 95864 increased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 197%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95864?
In ZIP code 95864, 70.9% of residents aged 25+ have a high school diploma or higher, and 59.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95864?
The mean commute time for workers in ZIP code 95864 is 23.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95864?
In ZIP code 95864, approximately 75.1% of occupied housing units are owner-occupied and 24.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95864?
The poverty rate in ZIP code 95864 is 6.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95864's numbers, next.
- See how ZIP 95864 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Sacramento, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.