Best Places95746, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95746, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
95746 ranks 654th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on high incomes by a wide margin, and childcare costs are the weak spot.
The best neighborhoods in 95746
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.
95746's strengths and weaknesses
Where 95746 ranks high
- Household income$180,191 median, better than 98% of zip codes
- Cost of living vs incomeBetter than 96% of zip codes
- Educational attainmentBetter than 96% of zip codes
- Healthcare accessBetter than 92% of zip codes
- Health outlookBetter than 91% of zip codes
Where 95746 ranks low
- Cheap childcare$1,572 a month, better than only 4% of zip codes
- Low income/sales/gas taxBetter than only 10% of zip codes
- Cheap car insuranceBetter than only 19% of zip codes
- State fiscal healthBetter than only 20% of zip codes
- Air qualityBetter than only 26% of zip codes
What it costs to buy a home in 95746
A household needs to earn about $297,000 a year to comfortably buy the median 95746 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $180,191, 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 95746's effective rate of 0.71%, 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 95746
95746 runs older than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95746.
Who works in 95746, and how
Work in 95746 centers on health care & social and professional & technical. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 70%
- Work from home 26%
- Transit, walk, or bike 4%
Life in 95746
The map and measures below break down dining, culture, and green space by neighborhood across 95746.
What the weather is like in 95746, month by month
95746 sees roughly 153 pleasant days a year. July highs average about 97 degrees. January highs sit near 58, with lows near 41. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 58° | 48° | 41° |
| April | 75° | 60° | 49° |
| July | 97° | 78° | 63° |
| October | 80° | 65° | 52° |
Flying in and out of 95746
Sacramento International sits about 22 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 95746
Schools across 95746 average an A−, better than 88% of zip codes.
Top elementary schools
- Oakhills ElementaryA+ · 80% proficient
- Greenhills ElementaryA · 68% proficient
- Maidu ElementaryB+ · 55% proficient
Top middle schools
- Ridgeview ElementaryA+ · 69% proficient
- Willma Cavitt Junior HighA · 67% proficient
- Excelsior ElementaryA− · 53% proficient
Top high schools
- Del Oro HighA− · 61% proficient
- Granite Bay HighB+ · 58% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95746 school and its grade on SchoolGrade.
95746 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 95746 against the other 33,109 zip codes.
Who 95746 suits
Remote workers
Cost of living against local pay beats 96% of zip codes and 26% already work from home.
Retirees
The weather beats 90% of zip codes and health care access beats 92%.
Common questions about living in 95746
Is 95746 a good place to live?
Using BestNeighborhood's default rankings, 95746 ranks 654th of 33,110 zip codes. It scores highest on high incomes, what local pay buys, and an educated workforce, and lowest on childcare costs and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95746 expensive to live in?
The median home is worth $1,150,406. The overall cost of living runs about 33% above the national average. Set against a $180,191 median income, cost of living beats 96% of zip codes.
Is 95746 safe?
Yes, 95746 is safer than 73% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $256 per resident a year.
What is the weather like in 95746?
July highs average about 97 degrees, and January highs near 58 with lows near 41. That works out to about 153 pleasant days a year, more than 90% of zip codes.
Is 95746 good for families?
Schools beat 88% of zip codes, crime safety beats 73%, and childcare runs $1,572 a month.
Compare 95746 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95746. Scores are absolute rather than ranked, which means a 60 in 95746 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.
95746 detail on BestNeighborhood maps:
- Walk Grade for 95746: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95746: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95746: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95746: carrier by carrier coverage behind the cell score.
95746 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.