ZIP 95628
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12-month history
Last updated: October 17, 2026
What the numbers show
January. Asking rents in ZIP 95628 usually run 1.3% below trend in January and 0.9% above it in May, about $46 a month apart at today's median. Based on 8 years of data.
Rent in ZIP 95628 is at its highest level since Zillow's records here began in January 2018.
Rent in ZIP 95628 changed +5.1% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.
From 2019 to 2024, rent in ZIP 95628 rose 37.7% while median household income rose 34.4% ($86,181 to $115,803). Rent outpaced income.
Rent in ZIP 95628 is 39.3% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent has risen 3 months in a row, and rose in 11 of the last 12 months.
30% of the median household income ($115,803) is $2,895 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,480); a 3-bedroom is $3,300.
ZIP 95610, 3 miles away, rents for 12% less ($1,833/mo), about $3,000 a year in savings.
From Zillow's monthly rent index (ZORI) for ZIP 95628. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 95628 in Fair Oaks, CA has changed in 5 years
Five years ago, renters in ZIP 95628 in Fair Oaks, CA paid around $1,613 a month. That figure now sits near $2,086, up 29.3% 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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Tips for renters in ZIP 95628
Last updated: October 17, 2026
ZIP code 95628 covers Fair Oaks, CA. The median rent here is $2,086/mo as of October 2026. A 1-bedroom rents for a median of $2,020/mo. A 2-bedroom rents for a median of $2,480/mo.
At 22% of local median household income ($115,803/yr), ZIP 95628 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.1% over the past year.
Frequently asked questions
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How does ZIP 95628 compare to other ZIPs in California?
How does ZIP 95628 compare to the rest of Fair Oaks?
At $2,086/mo, rent takes ~22% of ZIP 95628's median household income ($115,803/yr). The standard benchmark is 30%.
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