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ZIP Code · CA

ZIP 95628

Pop. 44,855·Sacramento County·801st most expensive ZIP in California
Median rent (all units)
$2,038/mo
Year-over-Year
+3.3%
Month-over-Month
-0.4%
vs US Median
+$73
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 95628 · $2,038
More expensive than 62% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,920
1 BR
$2,020
2 BR
$2,480
3 BR
$3,300
4 BR+
$3,810
Research median
$2,480/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$24,456/yr
At $2,038/mo median
Location
StateCA
CountySacramento County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (3.3% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+3.3% YoY, -0.4% MoM), not inventory.
Demographics

Who lives here

ZIP 95628 (Fair Oaks, CA) is majority owner-occupied, has a large retiree population, has a median income above the national average, 45.6% of residents hold a bachelor's degree or higher.

Population
44,855
Median income
$115,803
Median age
43.3
Renters
28.4%
Age distribution
20.3%
19.7%
22.8%
14.9%
22.3%
Under 1820.3%
18–3419.7%
35–5422.8%
55–6414.9%
65+22.3%
Gender
48.7%
51.3%
Male48.7%
Female51.3%
Race & ethnicity
74.2%
13.7%
White74.2%
Black1.7%
Hispanic13.7%
Asian5.1%
Other5.3%
Education (25+)
16.3%
33.7%
45.6%
No HS diploma4.5%
HS diploma16.3%
Some college33.7%
Bachelor's+45.6%
Housing tenure
71.6%
28.4%
Owner71.6%
Renter28.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 95628 in Fair Oaks, CA has changed in 5 years

Rent
$1,629 → $2,038
up 25.1%
Income
$100,458 → $115,803
up 15.3%
Population
42,434 → 44,855
up 5.7%
Renter share
28.1% → 28.4%
+0.3 pts
Bachelor's+
42.6% → 45.6%
+3.0 pts
Median age
44 → 43.3
-0.7 yrs

Five years ago, renters in ZIP 95628 in Fair Oaks, CA paid around $1,629 a month. That figure now sits near $2,038, up 25.1% from the 2021 baseline. On the earnings side, the typical household in ZIP 95628 in Fair Oaks, CA now reports about $115,803, up from $100,458 in 2021. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 95628 in Fair Oaks, CA adding about 2,421 residents over the five-year window, up 5.7% on net. Bachelor's-degree-or-higher attainment moved from 42.6% to 45.6% across the same window. For context, the 2021 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 95628 in Fair Oaks, CA reflects that arc in its own way.

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Local insights

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About renting in ZIP 95628

Last updated: July 20, 2026

ZIP code 95628 covers Fair Oaks, CA. The median rent here is $2,038/mo as of July 2026. A 1-bedroom rents for a median of $2,020/mo. A 2-bedroom rents for a median of $2,480/mo.

At 21% of local median household income ($115,803/yr), ZIP 95628 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.3% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 95628?

As of July 20, 2026, the median monthly rent in ZIP 95628 (Fair Oaks, CA) is $2,038. This is based on aggregated data from public sources and community submissions.

How does ZIP 95628 rent compare to the US average?

ZIP 95628's median rent of $2,038/mo is $73 (4%) above the US national median of $1,965/mo.

How does ZIP 95628 compare to other ZIPs in California?

ZIP 95628 is among the more affordable ZIP codes in California, ranking #801 out of 907 ZIPs at $2,038/mo.

How much income do you need to rent in ZIP 95628?

To keep rent at or below 30% of gross income, you would need to earn at least $82,000/year (~$39/hour full-time) to afford the median rent of $2,038/mo in ZIP 95628. The local median household income is $115,803/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 95628?

Rent in ZIP 95628 has increased 3.3% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 95628 an affordable place to rent?

ZIP 95628 is considered very affordable for renters. At $2,038/mo, rent takes approximately 21% of the local median household income ($115,803/yr). The standard benchmark is 30%. ZIP 95628 falls comfortably within that range.

What percentage of ZIP 95628 residents rent vs. own?

According to Census data, approximately 28.4% of ZIP 95628 households are renters, while 71.6% are owner-occupied. ZIP 95628 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 95628 compare to the rest of Fair Oaks?

ZIP 95628 sits right at the Fair Oaks citywide median of $2,038/mo.

When was rent data for ZIP 95628 last updated?

Rent data for ZIP 95628 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
21%
VERY AFFORDABLE

At $2,038/mo, rent takes ~21% of ZIP 95628's median household income ($115,803/yr). The standard benchmark is 30%.

ZIP 95628 21%Benchmark 30%
State income tax1–13.3%
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Public schools near ZIP 95628 (Fair Oaks, CA)

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