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Citrus Heights was county land until 1997 and is built almost entirely of postwar tracts, which is why its houses appraise as predictably as anything in the region.
Explore mortgage options in Citrus Heights, Sacramento County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Northeast county prices, tracked as they move
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Citrus Heights is next door and cheaper. Get pre-approved and compare the two payments.
The area around the old regional mall, now being replanned block by block.
The original crossroads at the center of the city with the oldest housing.
A residential district of consistent 1960s and 70s houses near the schools.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Citrus Heights starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Sacramento County anchors this corner of the Central Valley's housing market, and Citrus Heights reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Citrus Heights span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Citrus Heights borrowers frequently compare options against nearby communities such as Elk Grove, Folsom, Galt.
Updated 9/27/2026
Sacramento Ca Citrus Heights is updated daily with practical mortgage guidance for this page.