The story of this market
The typical home in ZIP 95632 sells for about $535,000, or $328 per square foot.
Prices are up +4.5% from a year ago, so sellers still have some momentum. Homes take about 37 days to sell. HUD's fair market rent for a two-bedroom is $1,930 a month.
ZIP 95632 — Galt
The Galt housing market is currently experiencing steady demand with a median sale price of $535,000, reflecting a 4.5% year-over-year increase. While inventory remains measured, the market is characterized by a competitive pace with homes selling in approximately 37 to 45 days. Growth is driven by its appeal as a more affordable alternative to the Sacramento core, supported by ongoing residential development.
This ZIP is well-suited for family buyers and commuters seeking more affordable housing options compared to the core Sacramento market, while offering a suburban lifestyle.
Median prices moved up 4.5% year over year.
Homes spend a median of 37 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 99% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 9.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 95632
The area is served by the Galt Joint Union Elementary and High School Districts, which generally maintain stable performance ratings within the Sacramento metropolitan context.
Galt features a warm-summer Mediterranean climate with standard regional wildfire and flood risk profiles typical of the Central Valley.
Galt serves as a bedroom community for the Sacramento metropolitan area, with ongoing residential development and new construction projects expanding the local housing stock.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute north toward Sacramento via Highway 99, which serves as the primary transit corridor for the region.
The area features local community parks and proximity to regional outdoor recreation, with basic shopping and dining amenities located along the Highway 99 corridor.
The rental market is characterized by limited inventory and high competition, with few active listings available for prospective tenants.
The local economy is driven by its role as a residential hub for the Sacramento metro area, with a mix of local retail, services, and agricultural-related industries.
Highway 99 is the primary transportation artery, facilitating north-south travel between Galt and the Sacramento employment core.
Development is focused on expanding residential capacity through new subdivisions on the city's periphery.
Parcels are subject to standard county property tax assessments and local school district levies.
Property insurance premiums are influenced by regional wildfire risk assessments and standard California market conditions.
Data retrieved from US Census Bureau ZCTA 95632 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- K1 Speed Sacramento4.319.8 mi
- Barbara Morse Wackford Community & Aquatic Complex4.212.3 mi
- The Rink4.319.9 mi
- Chuck E. Cheese4.111.3 mi
- Sky Zone Trampoline Park4.213.5 mi
- West Wind Sacramento 6 Drive-In4.519.6 mi
- Golden Corral Buffet & Grill3.913.5 mi
- Elk Grove Regional Park4.78.9 mi
- K1 Speed Sacramento4.319.8 mi
- Old Sugar Mill4.716.5 mi
- Cinemark Century Laguna 16 and XD4.511.2 mi
- Cosumnes River Preserve4.78.5 mi
- Lodi Lake4.69.6 mi
- Lodi Stadium 124.510.4 mi
- Regal UA Laguna Village4.212.9 mi
- Old Sugar Mill4.716.5 mi
- World of Wonders Science Museum4.610.4 mi
- Double Dip Gallery4.810.5 mi
- Sojourner Truth African Heritage Museum4.618.1 mi
- Elk Grove Regional Park4.78.9 mi
- Cosumnes River Preserve4.78.5 mi
- Lodi Lake4.69.6 mi
- Oasis Park Elk Grove CA4.79.9 mi
- Kammerer Park4.78.4 mi
- B & W Resort Marina4.519.3 mi
- South Shore Lake Camanche Marina4.519.8 mi
- King Island Marina Resort4.118.5 mi
- Paradise Point on the Delta4.318 mi
- Wimpy's Marina Restaurant, Bar & RV Park4.311.9 mi
- Emerald Lakes Golf Course4.47 mi
- Dry Creek Ranch Golf Course3.62.6 mi
- WinCo Foods4.312.3 mi
- The Galt Flea Market4.42.6 mi
- T.J. Maxx4.211.5 mi
- Safeway4.312.5 mi
- Sprouts Farmers Market4.511.6 mi
- Stockton Metropolitan Airport4.226.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Local park providing green space and recreational facilities for residents.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.