Best Places95634, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95634, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
95634 ranks 21,525th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on quiet by a wide margin, and childcare costs are the weak spot.
The best neighborhoods in 95634
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
95634's strengths and weaknesses
Where 95634 ranks high
- QuietBetter than 94% of zip codes
- Tree shadeBetter than 91% of zip codes
- Nice weatherabout 140 pleasant days a year, better than 86% of zip codes
- Big-city accessBetter than 77% of zip codes
- Household income$87,070 median, better than 69% of zip codes
Where 95634 ranks low
- Cheap childcare$1,556 a month, better than only 4% of zip codes
- Short commute38.0 minutes each way, better than only 6% of zip codes
- Air qualityBetter than only 9% of zip codes
- Low income/sales/gas taxBetter than only 10% of zip codes
- Internet speedBetter than only 11% of zip codes
What it costs to buy a home in 95634
A household needs to earn about $104,000 a year to comfortably buy the median 95634 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $87,070, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 95634's effective rate of 0.72%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 95634
95634 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95634.
Who works in 95634, and how
Work in 95634 centers on retail trade and construction. Unemployment runs well above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 72%
- Work from home 16%
- Transit, walk, or bike 12%
Life in 95634
The map and measures below break down dining, culture, and green space by neighborhood across 95634.
What the weather is like in 95634, month by month
95634 sees roughly 140 pleasant days a year. July highs average about 94 degrees. January highs sit near 56, with lows near 40. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 56° | 47° | 40° |
| April | 69° | 57° | 48° |
| July | 94° | 81° | 67° |
| October | 76° | 64° | 53° |
Flying in and out of 95634
Sacramento International sits about 45 miles away. It is a medium hub and boarded 6.8 million passengers in 2025, with 85 nonstop destinations.
The best schools in and around 95634
Schools across 95634 average a C−, better than 24% of zip codes.
Top elementary schools
- Camino ElementaryB− · 43% proficient
- Northside ElementaryB− · 40% proficient
- Foresthill DivideC · 35% proficient
Top high schools
- Foresthill HighB · 47% proficient
- El Dorado HighB− · 45% proficient
- Golden Sierra Junior Senior HighC− · 27% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95634 school and its grade on SchoolGrade.
95634 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 95634 against the other 33,109 zip codes.
Common questions about living in 95634
Is 95634 a good place to live?
Using BestNeighborhood's default rankings, 95634 ranks 21,525th of 33,110 zip codes. It scores highest on quiet, tree cover, and the weather, and lowest on childcare costs and long commutes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95634 expensive to live in?
The median home is worth $403,902. The overall cost of living runs about 13% above the national average. Set against a $87,070 median income, cost of living beats 41% of zip codes.
Is 95634 safe?
95634 is safer than 49% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $336 per resident a year.
Compare 95634 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95634. Scores are absolute rather than ranked, which means a 60 in 95634 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
95634 detail on BestNeighborhood maps:
- Walk Grade for 95634: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95634: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95634: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95634: carrier by carrier coverage behind the cell score.
95634 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.