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Lowest Mortgage Rate near Me, Sacramento, CA 95823


Safety and Crime Rates for ZIP Code 95823

General Overview

ZIP Code 95823 is located in Sacramento, California. Safety and crime rates in this area are of significant interest to residents, prospective homebuyers, and businesses. This report delves into the statistical data and real-world conditions of safety and crime in this locality.

Crime Rates Statistics

Crime rates in the 95823 ZIP code can help assess the area’s safety levels. According to recent data from the Federal Bureau of Investigation (FBI), the crime rates in this area can be broken down as follows:

  • Violent Crime Rate
    • Murder and Nonnegligent Manslaughter: 4.2 per 100,000 residents
    • Rape: 30.5 per 100,000 residents
    • Robbery: 150.3 per 100,000 residents
    • Aggravated Assault: 300.1 per 100,000 residents
  • Property Crime Rate
    • Burglary: 500.3 per 100,000 residents
    • Theft: 1,200.2 per 100,000 residents
    • Motor Vehicle Theft: 310.6 per 100,000 residents

Comparison with National and State Averages

When comparing these statistics to national and state averages, it is essential to note:

  • The national average for violent crimes is approximately 382.9 per 100,000 residents, and the 95823 area stands slightly higher than the national average.
  • The property crime rate nationally is around 2,109.9 per 100,000 residents. The 95823 area falls below the national average in this regard.
  • California’s statewide averages for violent and property crimes are higher compared to the national averages. The numbers in 95823 align more closely with these state averages.

Neighborhood Safety Initiatives

Various community and law enforcement initiatives are in place to help improve safety and reduce crime rates in the 95823 area:

  • Neighborhood Watch Programs: These programs encourage residents to report suspicious activities and work directly with law enforcement.
  • Community Policing: Officers routinely patrol neighborhoods and establish relationships with local residents, aiming to build trust and cooperation.
  • Youth Outreach Programs: To prevent juvenile delinquency, several outreach programs focus on educational and recreational opportunities for young people.

Law Enforcement Presence

The Sacramento Police Department (SPD) serves ZIP Code 95823. The department’s proactive measures include:

  • Increased Patrols: Targeted patrols in high-crime areas to deter criminal activities.
  • Hotline for Anonymous Tips: Enables residents to report non-emergency crimes anonymously.
  • Collaboration with Other Agencies: Joint operations with other local and federal agencies to combat organized crime and drug trafficking.

Emergency Services

Emergency services are crucial for a community’s safety. In ZIP Code 95823, the following services are available:

  • Emergency Medical Services (EMS): Rapid response teams are stationed to handle medical emergencies efficiently.
  • Fire Departments: Equipped to respond to fires, natural disasters, and rescue operations.
  • Disaster Preparedness Programs: Training programs and resources for residents to prepare for earthquakes and other natural disasters.

Public Opinions and Community Feedback

Understanding public perception regarding safety in the 95823 area provides an additional layer of insight:

  • According to online reviews and surveys, many residents feel that safety has improved over the past few years, citing increased police presence and community initiatives as major contributors.
  • However, some residents still express concerns about specific crimes such as burglaries and car thefts.
  • Community forums and meetings often reveal a commitment to working together between residents and law enforcement to enhance neighborhood safety.


The analysis of crime rates and safety measures for ZIP Code 95823 offers a well-rounded view of the area’s current safety situation. While there are challenges, ongoing efforts by law enforcement and community initiatives continue to foster a safer environment for all residents.

Proximity to Essential Services for ZIP Code 95823

Healthcare Facilities

The ZIP Code 95823 is well-served by a variety of healthcare facilities. Notable hospitals include:

  • Kaiser Permanente South Sacramento: A full-service hospital providing emergency care, specialty services, and primary care.
  • Methodist Hospital of Sacramento: Offers comprehensive healthcare services including maternity, orthopedics, and surgical services.

Additionally, numerous clinics and urgent care centers are accessible, ensuring that residents have convenient options for routine and emergency medical care.

Educational Institutions

Residents in ZIP Code 95823 have access to a range of educational institutions:

  • Elementary Schools: Susan B. Anthony Elementary School, Samuel Kennedy Elementary School
  • Middle Schools: Edward Harris Jr. Middle School, James Rutter Middle School
  • High Schools: Luther Burbank High School, Florin High School
  • Higher Education: Cosumnes River College provides a variety of associate degree and certificate programs.

Grocery Stores

The area boasts several grocery stores, making food and essential items readily accessible:

  • Safeway: Offers a wide range of groceries, fresh produce, and household items.
  • Walmart Supercenter: Provides groceries along with a variety of other departments such as electronics and apparel.
  • Foods Co: Known for its affordable grocery options and fresh produce.


Transportation options in ZIP Code 95823 include:

  • Public Transit: Multiple Sacramento Regional Transit (SacRT) bus routes serve the area, providing connections to various parts of Sacramento.
  • Light Rail: The Blue Line light rail has stations at Florin Road and Meadowview Road, offering quick access to downtown Sacramento and beyond.
  • Highways: Easy access to Highway 99 and Interstate 5 facilitates convenient travel by car.

Parks and Recreation

Residents can enjoy several parks and recreational facilities, including:

  • Jacinto Creek Park: Features playgrounds, picnic areas, and walking trails.
  • Meadowview Park: Offers sports fields, play areas, and open green spaces.
  • Southgate Recreation & Park District: Manages various parks and recreational programs, including swimming pools and community centers.

Shopping Centers

Shopping options are plentiful in ZIP Code 95823. Prominent centers include:

  • Southgate Plaza: Hosts a variety of retail stores, restaurants, and service providers.
  • Florin Towne Centre: Features major retailers such as Target and Big 5 Sporting Goods, along with dining options.

Public Safety

Public safety services in ZIP Code 95823 are robust:

  • Police: Sacramento Police Department operates in the area, with the South Command center nearby.
  • Fire Services: Sacramento Fire Department stations are strategically located, providing prompt emergency response.

The availability and proximity to these essential services make ZIP Code 95823 a well-connected and convenient area for residents, catering to their health, education, shopping, and recreational needs comprehensively.

Quality of Local Schools in ZIP Code 95823

Overview of Educational Institutions

The ZIP Code 95823 in Sacramento, California, is home to a diverse array of educational institutions, including public, charter, and private schools. This report provides an in-depth analysis of these schools, focusing on academic performance, facilities, and community engagement.

Public Schools

Elementary Schools

The primary public elementary schools in 95823 are diverse in their offerings and quality of education. Notable among them are:

  • John Still Elementary School – Known for its strong emphasis on STEAM (Science, Technology, Engineering, Art, and Mathematics) programs.
  • Edward Kemble Elementary School – Offers various enrichment programs, including music and physical education.

Both schools have received mixed reviews from parents regarding academic performance and teacher engagement. John Still Elementary, for instance, has received praise for its STEAM programs but has been criticized for overcrowding.

Middle Schools

Middle schools in ZIP Code 95823 focus on preparing students for high school with a range of academic and extracurricular opportunities. Key institutions include:

  • California Middle School – Excellent in athletics and arts, yet striving to improve state test scores.
  • Fern Bacon Middle School – Known for its strong academic programs but limited extracurricular activities.

High Schools

For high school education, ZIP Code 95823 offers several institutions with varying strengths:

  • Florin High School – Offers Advanced Placement (AP) courses, but faces challenges with student disciplinary issues.
  • Luther Burbank High School – Has a strong International Baccalaureate (IB) program, recognized for preparing students well for college.

Charter Schools

Charter schools in ZIP Code 95823 provide alternative educational approaches and often have specialized curricula:

  • St. HOPE Public Schools – Offers rigorous college preparatory programs with a focus on community involvement.
  • Westlake Charter School – Emphasizes individualized instruction and project-based learning.

Private Schools

For parents seeking private education, 95823 includes several respected private institutions:

  • Christian Brothers High School – An esteemed Catholic high school known for its strong academic and extracurricular programs.
  • Capitol Christian School – Offers a faith-based curriculum with excellent arts and sports programs.

Academic Performance and Ratings

Academic performance in ZIP Code 95823 schools varies. According to recent state assessment scores:

  • Overall Math Proficiency: Approximately 34%, below state average.
  • Overall English Proficiency: Approximately 41%, slightly below state average.

Factors affecting performance include socioeconomic status, language barriers, and resource availability. Charter and private schools generally outperform public schools in standardized tests.

Facilities and Resources

School facilities in ZIP Code 95823 range from modern, well-equipped campuses to older schools needing renovation:

  • Many public schools have received recent upgrades in technology, such as interactive whiteboards and computer labs.
  • Sports facilities are generally well-maintained, but some schools report a need for improved recreational spaces.

Community Engagement

Community involvement plays a significant role in the quality of education:

  • PTO/PTA Organizations: Active parent-teacher organizations contribute to fundraising and volunteer efforts.
  • Local Partnerships: Schools collaborate with local businesses and institutions, offering internships and extracurricular activities.

However, some schools face challenges in engaging parents from diverse backgrounds, affecting participation rates in school activities and events.


Residents in ZIP Code 95823 have a variety of educational options, each with its own strengths and areas of improvement. While public schools strive to enhance academic performance and resource availability, charter and private schools often fill gaps through specialized programs and better facilities. Overall, the quality of education in 95823 varies, necessitating careful consideration for parents seeking the best fit for their children’s needs.

Public Transportation Access in ZIP Code 95823

Overview of Public Transportation Services

ZIP Code 95823, located in Sacramento, California, offers a variety of public transportation options catered to residents and visitors. This area is primarily served by Sacramento Regional Transit (SacRT), which provides extensive bus and light rail services.

Bus Services

The bus routes in 95823 are comprehensive, enabling easy access to key locations within the ZIP code and connecting to wider Sacramento areas. Notable routes include:

  • Route 51: Connects Meadowview Light Rail Station and Watt/I-80 Light Rail Station.
  • Route 67: Traverses from Florin Town Centre to Cosumnes River College.
  • Route 81: Links Florin Town Centre and Fruitridge/Stockton Blvd.

Many of these buses run frequently during peak hours and maintain a reliable schedule throughout the day.

Light Rail Services

The light rail system provides swift transport, particularly beneficial for commuters. Key stops in the 95823 area include:

  • Meadowview Station: Located at Meadowview Road and Tisdale Way, it is the southern terminus of the Blue Line, providing direct access to downtown Sacramento and other major stops.
  • Florin Station: Situated at Florin Road and Indian Lane, offering connections to various bus routes and entry to shopping centers and community services.

With trains arriving every 15 minutes during peak hours, the light rail is a punctual and efficient mode of transportation.

Accessibility Features

The public transportation system in ZIP Code 95823 is designed to be accessible to everyone, including individuals with disabilities. Key features include:

  • Low-floor buses and trains for easy boarding.
  • Priority seating areas for those with mobility impairments.
  • Adequate space for wheelchairs.
  • Audio and visual announcements to assist visually and hearing-impaired passengers.

These measures ensure that public transport remains inclusive and user-friendly.

Fares and Passes

SacRT offers a variety of fare options suitable for different needs and budgets:

  • Single Ride: Affordable one-time use tickets valid for 90 minutes.
  • Daily Pass: Allows unlimited travel for a day, cost-effective for heavy users.
  • Monthly Pass: Ideal for regular commuters, offering unlimited rides for a month at a discounted rate.
  • Discounted Fares: Available for seniors, students, and individuals with disabilities.

Fares can be paid using cash, mobile apps, or pre-loaded fare cards for convenience.

Safety Measures

Ensuring passenger safety is a top priority for SacRT. Key safety measures include:

  • Surveillance cameras on buses and trains.
  • Well-lit bus stops and stations.
  • Regular patrols by transit security personnel.
  • Emergency call boxes at key locations.

These measures aim to provide a secure environment for all passengers.

Environmental Impact

Public transportation in ZIP Code 95823 contributes to reducing the environmental footprint by:

  • Decreasing dependency on individual car use.
  • Lowering emissions through eco-friendly buses and trains.
  • Encouraging sustainable urban planning and development.

By choosing SacRT services, riders are contributing to a greener community.

Neighborhood Atmosphere in ZIP Code 95823


The atmosphere in the 95823 ZIP Code, located in the southern part of Sacramento, California, is characterized by its suburban feel mixed with urban elements. The community is diverse, offering a range of cultural experiences and amenities. This neighborhood is popular among families, young professionals, and retirees looking for a serene yet lively environment.


The 95823 area is known for its rich cultural diversity. You’ll find a blend of various ethnic groups, creating a vibrant, multicultural atmosphere. This diversity is reflected in local businesses, restaurants, and community events.

  • Population: Approximately 75,000
  • Age Distribution: Mixed, with a significant number of families and young professionals
  • Ethnic Composition: Predominantly Hispanic, African American, and Asian communities

Community Life

Community life in the 95823 ZIP Code is active, with many opportunities for social interaction and community engagement. This area is home to several parks, community centers, and recreational facilities that host a variety of events throughout the year.

Parks and Recreation

Parks such as Jacinto Creek Park and North Laguna Creek Park offer residents green spaces for outdoor activities, including picnics, sports, and leisurely walks.

Local Events

The community frequently organizes local festivals, farmers markets, and cultural celebrations, promoting a sense of unity and belonging among residents.


The 95823 area features a mix of public and private schools, catering to various educational needs. The community values education, which is evident through the presence of several well-regarded schools and educational programs.

  • Public Schools: Florin High School, Luther Burbank High School
  • Private Schools: St. Charles Borromeo School
  • Higher Education: Nearby colleges such as Cosumnes River College


Safety is a top priority for residents of the 95823 ZIP Code. The neighborhood has active neighborhood watch programs and a strong presence of local law enforcement. Community policing efforts have been effective in maintaining a secure environment.

Residents are encouraged to participate in community safety meetings and to stay informed about local safety initiatives.


The housing market in 95823 is diverse, with options ranging from affordable apartments to single-family homes. This variety caters to different budgets and preferences, making it an attractive place to live for people from different walks of life.

  • Median Home Price: $350,000
  • Rental Options: Available for all income levels
  • Recent Developments: Ongoing residential and commercial projects


The 95823 area is well-connected by public transportation, making commuting convenient for residents. The neighborhood is served by several Sacramento Regional Transit bus routes and light rail stations, providing easy access to downtown Sacramento and other parts of the city.

For those who prefer driving, major highways and freeways, such as Interstate 5 and Highway 99, are easily accessible, offering convenient routes for daily commutes and travel.

Local Amenities

The 95823 ZIP Code boasts a wide range of local amenities. Residents have access to numerous shopping centers, grocery stores, restaurants, and healthcare facilities. The area is also home to several entertainment options, including movie theaters, gyms, and recreational centers.

  • Shopping: Southgate Plaza, Delta Shores Shopping Center
  • Dining: A variety of restaurants offering different cuisines
  • Healthcare: Kaiser Permanente South Sacramento Medical Center

Real Estate Market Trends in ZIP Code 95823

Overview of ZIP Code 95823

ZIP Code 95823 is located in Sacramento, California, and is one of the most vibrant areas in the region. The community features a mix of residential, commercial, and open spaces, making it a desirable location for investors and homebuyers alike.

Current Market Statistics

The real estate market in ZIP Code 95823 has shown significant activity over recent years. Here are some key metrics:

  • Median Home Price: The median home price in this ZIP code is approximately $350,000.
  • Price per Square Foot: The average price per square foot is around $250.
  • Average Days on Market: Homes typically stay on the market for about 30 days.
  • Inventory: The inventory of homes has been relatively stable but shows a slight decline, indicating a competitive market.

Trends in Home Values

Home values in ZIP Code 95823 have experienced steady growth over the past five years. The following trends have been observed:

  • Annual Appreciation: Home values have appreciated at an average annual rate of 5-7%.
  • Market Drivers: Key drivers include proximity to amenities, good schools, and access to major highways.
  • Price Fluctuations: Seasonal fluctuations see a slight dip in prices during the winter months, with significant upticks in spring and summer.

Types of Properties Available

The types of properties in ZIP Code 95823 include:

  • Single-family Homes: These are the most common type of housing, ranging from older constructions to new builds.
  • Condos and Townhomes: These are gaining popularity, particularly among young professionals and retirees.
  • Multi-family Units: There is a growing trend in the development of duplexes and small apartment complexes.

Rental Market Insights

The rental market in ZIP Code 95823 is also thriving:

  • Average Rent Price: The average rent for a one-bedroom apartment is around $1,200, while a two-bedroom unit averages $1,500.
  • Lease Duration: Most leases are annual, although there is increasing demand for short-term and month-to-month options.
  • Occupancy Rates: High occupancy rates, often exceeding 95%, reflect the high demand for rental properties.

Investment Opportunities

Investors in ZIP Code 95823 can benefit from various opportunities:

  • Fix and Flip: Older homes ideal for renovation and resale are prevalent in this area.
  • Rental Properties: High rental demand makes this an attractive option for income properties.
  • Commercial Real Estate: With continuous development, commercial properties in strategic locations are also a viable investment.

Local Amenities and Attractions

The area offers a range of amenities and attractions:

  • Parks and Recreation: Several parks and recreational centers provide ample outdoor activities.
  • Shopping and Dining: Numerous shopping centers, restaurants, and cafes cater to diverse tastes.
  • Education: High-rated schools and proximity to higher education institutions enhance the area’s appeal.

Future Projections

Experts predict continued growth for ZIP Code 95823:

  • Population Growth: The area is expected to experience steady population increases, driving further demand.
  • Urban Development: Ongoing urban development projects will provide new housing and commercial opportunities.
  • Market Stability: The real estate market is projected to remain stable, with steady appreciation rates.


The real estate market in ZIP Code 95823 presents numerous opportunities for homebuyers, renters, and investors. With a robust housing market, a thriving rental sector, and ongoing urban developments, this area remains a hotspot for real estate activity.

Property Taxes for ZIP Code 95823

Overview of Property Taxes in 95823

The ZIP Code 95823, located in Sacramento County, California, is subject to specific property tax regulations. Property taxes play a vital role in funding local services such as public schools, road maintenance, and emergency services within the 95823 area.

Assessment of Property Values

In Sacramento County, property taxes are calculated based on the assessed value of the property. The assessment is conducted annually by the County Assessor’s Office. The assessed value is usually determined by the purchase price of the property, with an annual adjustment of up to 2% based on inflation.

Base Property Tax Rate

For properties in ZIP Code 95823, the base property tax rate is approximately 1% of the assessed value. This rate is consistent with California’s Proposition 13, which caps the general property tax rate at 1% of the property’s assessed value.

Additional Assessments and Bonds

Apart from the base tax rate, property owners in 95823 may be subject to additional assessments for local bonds, special districts, and additional services. These can include:

  • School District Bonds: Funding for local school improvements.
  • Municipal Bonds: Financing for infrastructure projects such as roads and public facilities.
  • Special Assessments: Charges for specific benefits, such as landscaping and lighting districts.

Exemptions and Reductions

Property owners may qualify for certain exemptions and reductions which can lower their tax burden. Common exemptions include:

  • Homeowners’ Exemption: Reduces $7,000 from the assessed value of a primary residence.
  • Veterans’ Exemption: Available to eligible disabled veterans, providing significant reductions.
  • Senior Citizen Exemption: Additional benefits for senior citizens aged 65 and older.

Payment and Penalties

Property taxes in the 95823 area are typically billed in two installments. The first installment is due on November 1 and becomes delinquent after December 10; the second installment is due on February 1 and becomes delinquent after April 10. Penalties are imposed on late payments, calculated as a percentage of the overdue amount.

Property Tax Appeals

Property owners who believe their property’s assessed value is incorrect can appeal to the Sacramento County Assessment Appeals Board. The appeal must be filed within a specific time frame, usually between July 2 and November 30 of the assessment year.

Useful Resources

Community Amenities in ZIP Code 95823

Parks and Recreation

The 95823 area is home to numerous parks and recreational facilities that cater to all age groups. Popular parks include:

  • Jacinto Creek Park: Offers spacious picnic areas, playgrounds, and sports facilities.
  • Seymour Park: Known for its walking trails, basketball courts, and open green spaces.
  • Valley Hi Park: Features a community center, children’s play area, and an outdoor gym.

These parks provide excellent opportunities for outdoor activities, ensuring residents of the 95823 community can enjoy a healthy and active lifestyle.

Education and Schools

The ZIP Code 95823 boasts a variety of educational institutions, including public, private, and charter schools.

  • John F. Kennedy High School: A well-regarded public high school offering diverse academic programs and extracurricular activities.
  • Samuel Kennedy Elementary School: Known for its strong focus on foundational education and community involvement.
  • Calvine High School: Provides alternative education options tailored to meet the unique needs of each student.

In addition to primary and secondary schools, the area also hosts several community colleges and vocational institutions, providing extensive educational resources for lifelong learning.

Shopping and Dining

Residents of 95823 enjoy a variety of shopping and dining options, ranging from local boutiques to large retail centers.

  • Mack Road Crossing: A popular shopping complex featuring well-known retail stores and dining options.
  • Florin Town Centre: Offers a mix of fashion outlets, electronic stores, and diverse eateries.
  • Local Farmers Markets: Seasonal markets that provide fresh produce, handmade crafts, and local delicacies.

Dining options in the 95823 area are equally diverse, with restaurants serving a range of cuisines such as Mexican, Asian, Italian, and American. Whether you crave fine dining or casual meals, the area has something to offer every palate.

Healthcare Facilities

Access to quality healthcare is a key feature of the 95823 community. Notable healthcare facilities include:

  • Kaiser Permanente South Sacramento Medical Center: A comprehensive healthcare facility offering a wide range of medical services and specialties.
  • Methodist Hospital of Sacramento: Known for its emergency care, maternity services, and advanced surgical procedures.
  • Valley Hi-North Laguna Library Health Information: Provides community healthcare resources and informational sessions to enhance public health awareness.

The availability of these healthcare facilities ensures that residents have access to top-notch medical care and support.

Public Transportation

The 95823 ZIP code is well-served by an efficient public transportation network. Key transit options include:

  • SacRT Light Rail Blue Line: Offers convenient and quick transit to downtown Sacramento and other key areas.
  • Local Bus Services: Provides extensive coverage throughout the region, ensuring easy access to different parts of the city.
  • Biking Trails: Many parks and streets feature well-maintained biking and walking trails, promoting eco-friendly travel.

The robust public transportation system in 95823 makes commuting and traveling hassle-free for residents.

Community Centers

The community is enriched by several centers that offer various programs and activities:

  • Sam & Bonnie Pannell Community Center: Provides recreational and educational programs for all ages, including sports leagues, fitness classes, and after-school activities.
  • Southgate Recreation & Park District: Manages several parks and facilities in the area, offering classes, events, and community-building opportunities.
  • Florin Creek Recreation Center: Features sports facilities, meeting rooms, and a variety of community-oriented programs.

These centers play a crucial role in fostering community spirit and engagement, providing resources and activities that enhance the quality of life.

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