Folsom, CA95630

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$751,000
2.7% YoY Growth
Median Household Income
$139,000
26.6% 5-Year Growth
Days on Market
49
8.0% Longer than last year
Home Price Forecast
-0.9%
Median Rent
$2,420
1.2% YoY Growth
1-Bed Rent
$2,120
3.4% YoY Growth
2-Bed Rent
$2,450
4.5% YoY Growth
3-Bed Rent
$2,930
4.6% YoY Growth

Property Listings — Folsom, CA

As of Oct '25, Realtor.com reports that the median days on market for a home in Folsom, CA is 49. This is a increase of 8.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.

MetricZip Code AverageYear over Year % Change
Median Listing Price
$772,0002.0%
Listing Count
2177.0%
Listings as % of Homes0.4%7.0%
Days on Market
498.0%
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Demographics — Folsom, CA

As of the latest ACS Survey released in 2023, Folsom, CA has a population of 78,000, which has increased by 1.3% over the past 5 years. Folsom, CA is a moderately popular place for families, as children make up 24.3% of the population. The area has a highly educated workforce, with 58.5% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 28.6% reporting working from home.

MetricLatest CensusYoY % Change
Population
78,0001.3%
% Under 18
24.3%0.0%
% Seniors
14.2%10.1%
% WFH
28.6%204.3%
% w/ College Degree
58.5%16.8%
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As of the latest ACS Survey released in 2023, Folsom, CA is a predominantly white area, with 57.6% of the population identifying as white. The white population has shrunk by 7.2% in the last 5 years. The second most common race or ethnicity in Folsom, CA is asian, making up 20.5% of the population. Foreign-born residents account for 19.8% of the population in Folsom, CA, and this percentage has increased by 17.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

MetricLatest Census5-Year % Change
% White
57.6%-7.2%
% Black
2.9%-14.7%
% Hispanic
13.0%10.2%
% Asian
20.5%19.9%
% Foreign Born
19.8%17.9%
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Mortgage and Risk — Folsom, CA

According to HUD data as of 2023, there were 1622 mortgage originations in Folsom, CA, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Folsom, CA. Investor activity is low, as 4.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

MetricZip Code Average
Total Loan Originations
1,622
% Conventional Loans
95.0%
% Government Loans
5.0%
% Investor Loans
4.0%
% Second Loans
1.0%
% Cash Out Refinance
8.0%

Loan Activity

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Rentals and Section 8 — Folsom, CA

As of 2024, the percent of homes in Folsom, CA under the Section 8 program is 3.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Folsom, CA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.

Section 8 Market Size

Total Units under HUD
390
Total Units Section 8
372
% Rentals under Section 8
3.7%
% Occupied Section 8
83.6%

Section 8 Opportunity

Home SizeHUD PremiumMarket RentMax HUD Rent
1 Bedroom$170$2,120$2,290
2 Bedroom$390$2,450$2,840
3 Bedroom$920$2,930$3,850
4 Bedroom$1,250$3,200$4,450

Affordability — Folsom, CA

Home Price to Income Ratio

MetricZip Code Average
Home Price to Income Ratio5.4
Median Home Price$751,000
Median Household Income$139,000

Folsom, CA — ZIP Code Boundary Map

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Frequently Asked Questions