Best Places95864, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95864, 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.
95864 ranks 5,089th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on biking by a wide margin, and crime is the weak spot.
The best neighborhoods in 95864
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.
95864's strengths and weaknesses
Where 95864 ranks high
- BikingBetter than 96% of zip codes
- Educational attainmentBetter than 94% of zip codes
- Household income$130,772 median, better than 93% of zip codes
- TransitBetter than 92% of zip codes
- Nice weatherabout 147 pleasant days a year, better than 88% of zip codes
Where 95864 ranks low
- Crime safetyBetter than only 9% of zip codes
- Low income/sales/gas taxBetter than only 10% of zip codes
- Cheap childcare$1,332 a month, better than only 13% of zip codes
- Heat safetyBetter than only 17% of zip codes
- Cheap car insuranceBetter than only 18% of zip codes
What it costs to buy a home in 95864
A household needs to earn about $211,000 a year to comfortably buy the median 95864 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $130,772, 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 95864's effective rate of 0.73%, 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 95864
95864 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95864.
Who works in 95864, and how
Work in 95864 centers on health care & social and education. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 71%
- Work from home 23%
- Transit, walk, or bike 6%
Life in 95864
95864 has fewer places to eat and drink per resident than most zip codes and more parkland per resident than 68% of zip codes. Dining, parks, and nightlife concentrates in some parts of 95864 and thins out in others, which the map shows.
What the weather is like in 95864, month by month
95864 sees roughly 147 pleasant days a year. July highs average about 96 degrees. January highs sit near 58, 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 | 58° | 48° | 40° |
| April | 74° | 60° | 47° |
| July | 96° | 77° | 60° |
| October | 80° | 64° | 50° |
Flying in and out of 95864
Sacramento International sits about 14 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 95864
Schools across 95864 average a C+, better than 44% of zip codes.
Top elementary schools
- Mariemont ElementaryD+ · 25% proficient
Top middle schools
- Arden MiddleD+ · 25% proficient
- Arcade Fundamental MiddleD+ · 25% proficient
Top high schools
- Mira Loma HighA+ · 80% proficient
- Rio Americano HighB+ · 52% proficient
- El Camino Fundamental HighB− · 45% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95864 school and its grade on SchoolGrade.
95864 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 95864 against the other 33,109 zip codes.
Who 95864 suits
Remote workers
Cost of living against local pay beats 84% of zip codes, internet is fast and widely advertised, and 23% already work from home.
Retirees
The weather beats 88% of zip codes and health care access beats 57%.
Common questions about living in 95864
Is 95864 a good place to live?
Using BestNeighborhood's default rankings, 95864 ranks 5,089th of 33,110 zip codes. It scores highest on biking, an educated workforce, and high incomes, and lowest on crime and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95864 expensive to live in?
The median home is worth $816,169. The overall cost of living runs about 24% above the national average. Set against a $130,772 median income, cost of living beats 84% of zip codes.
Is 95864 safe?
95864 is safer than 9% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $647 per resident a year.
What is the weather like in 95864?
July highs average about 96 degrees, and January highs near 58 with lows near 40. That works out to about 147 pleasant days a year, more than 88% of zip codes.
Is 95864 good for families?
Schools beat 44% of zip codes, crime safety beats 9%, and childcare runs $1,332 a month.
Compare 95864 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95864. Scores are absolute rather than ranked, which means a 60 in 95864 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.
95864 detail on BestNeighborhood maps:
- Walk Grade for 95864: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95864: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95864: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95864: carrier by carrier coverage behind the cell score.
95864 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.