Where new homes are being built in Sacramento
Sacramento is an older city, and new houses make up a small slice of what is for sale. The Census Bureau's 2020-2024 survey counts 1.6% of the city's housing units as built in 2020 or later and 6.7% built from 2010 to 2019. Most new single-family building happens on the city's edges, in three places:
- Natomas, north of the American River and the Garden Highway, where Tri Pointe is selling in North Natomas.
- Delta Shores, in the far south of the city along Interstate 5 at Cosumnes River Boulevard, next to the Delta Shores shopping center.
- North Sacramento, near Robla Community Park, where KB Home is building Archer Estates.
Closer in, the Railyards north of downtown is a long-term urban build-out, and new homes elsewhere are mostly single lots, ADUs and small infill projects. Many builders also market communities with a Sacramento mailing address that sit outside the city, so check the jurisdiction (see the FAQ below).
Sacramento new home communities, one by one
Prices below are the builders' advertised starting prices, checked on their websites on October 30, 2026. KB Home's prices exclude the cost of solar and any homesite premium. Prices and incentives change weekly, so confirm with the sales office.
Terrace Park, North Natomas (Tri Pointe Homes)
Two-story homes of 1,815 to 2,011 square feet with three or four bedrooms and two-car garages, at 881 Greg Thatch Circle (ZIP 95835). Tri Pointe lists its three plans from $536,454, $540,109 and $572,149, and showed move-in-ready homes on Shiplap Circle, including ones at $536,454, $604,275 and $612,207. The builder says the community has no HOA, an estimated property tax rate of about 1.1687%, and community assessments of roughly $280 a month. It sits near Magnolia Park, with a short drive to Sacramento International Airport. Tri Pointe names Twin Rivers Unified as the school district, not Sacramento City Unified; check with the district before you rely on that.
Edgewater at Delta Shores (KB Home)
One- and two-story homes with three to five bedrooms, from $575,990, with a sales office at 1448 Bluegill Way (ZIP 95832). KB places it on the west side of I-5 off Cosumnes River Boulevard, near the Delta Shores shopping center, the Sacramento River and Bartley Cavanaugh Golf Course, and it lists a community park and picnic area. KB showed move-in-ready homes here when we checked.
Riva at Delta Shores (KB Home)
Two-story homes with four or five bedrooms, from $481,990, sold through the Edgewater sales office. Riva is in the same Delta Shores area, and KB lists community parks and a walking trail. At the advertised starting prices, Riva's four- and five-bedroom homes start about $94,000 below Edgewater's base price, so compare the floor plans and lot sizes side by side.
Archer Estates, North Sacramento (KB Home)
Homes with three to five bedrooms in one- and two-story plans, from $466,990, at 1006 Jessie Avenue (ZIP 95838), reached from I-80 at Norwood Boulevard. KB notes Robla Community Park, a nearby light rail station and Haggin Oaks Golf Complex. It is the lowest-priced KB community in this list that is inside city ZIPs. Redfin's median single-family sale price in 95838 was $383,903 in the three months to September 2026, so new homes here cost well above resale.
Westcott Station, near Rosemont (KB Home)
Two-story homes with three or four bedrooms, from $457,990, at 3636 Parc Villa Circle (ZIP 95827), off Bradshaw Road and Old Placerville Road south of Highway 50. KB mentions Mather Golf Course and the American River Parkway nearby. The address says Sacramento, but 95827 is not among the ZIP codes our Zillow data maps to the city, and Redfin files it under Rancho Cordova, so check whether the lot is in city limits or unincorporated county.
The Railyards, north of downtown
The City of Sacramento describes the Railyards as a 244-acre former Union Pacific site just north of downtown, entitled in October 2016 for 6,000 to 10,000 dwelling units, 33 acres of open space, a medical campus and a soccer stadium. The developer's site lists 880 yards of riverfront access and was advertising a new rental building, The A.J. Apartments, when we checked. Homes here come in phases and are mostly apartments and condos rather than detached houses. Ask the developer which buildings have units for sale, and see our Sacramento condos guide for what to check in a new condo.
Sacramento new home communities compared
| Community | Builder | ZIP | Bedrooms | From (Oct. 30, 2026) | HOA |
|---|---|---|---|---|---|
| Terrace Park | Tri Pointe Homes | 95835 | 3-4 | $536,454 | None, per builder |
| Edgewater at Delta Shores | KB Home | 95832 | 3-5 | $575,990 | Ask the builder |
| Riva at Delta Shores | KB Home | 95832 | 4-5 | $481,990 | Ask the builder |
| Archer Estates | KB Home | 95838 | 3-5 | $466,990 | Ask the builder |
| Westcott Station | KB Home | 95827 | 3-4 | $457,990 | Ask the builder |
| The Railyards | Several | 95811 | Varies | Not published | Varies by building |
Starting prices are for the base plan and lot; options, upgrades and premium lots add to them. We list only communities we could confirm on the builder's or developer's own site.
Mello-Roos, assessments and HOA dues on new Sacramento homes
New subdivisions in California often pay for roads, parks and schools through a Mello-Roos community facilities district or similar special assessments, which appear on the property tax bill. Terrace Park is an example: Tri Pointe quotes a tax rate of about 1.1687% plus roughly $280 a month in community assessments, even with no HOA. On a $540,000 home, that rate alone works out to about $6,311 a year before the assessments, by our arithmetic.
Checking the special taxes on a Sacramento lot
Ask the builder for the Mello-Roos and special assessment disclosure for your specific lot before you sign, and confirm whether the amount rises each year. The Sacramento County tax rate book lists the base rate for each tax rate area; our Sacramento County property tax guide explains it, and the Mello-Roos guide covers how these districts work.
Flood assessments in Natomas
Natomas lies in a levee-protected basin. The city's flood preparedness page notes that FEMA rules for the Natomas Basin A99 flood zone changed on July 1, 2024, and the Sacramento Area Flood Control Agency funds levee projects through assessments. Ask the builder for the lot's flood zone and get a flood insurance quote, even if a lender does not require one.
New vs resale homes in Sacramento: what each costs
New homes in Sacramento often cost more than resale homes in the same ZIP, because the existing stock there is older and smaller. Redfin's median single-family sale prices for the three months to September 2026 show the gap:
Natomas: 95835 resale vs Terrace Park
Single-family homes in 95835 sold for a median of $589,351 across 123 sales, at $278 per square foot. Terrace Park's plans start at $536,454 to $572,149 for 1,815 to 2,011 square feet, or roughly $285 to $296 per square foot, by our arithmetic. That is close to resale on a per-foot basis, before assessments and upgrades.
Delta Shores: 95832 resale
The 95832 single-family median was $592,341 on 35 sales, 41.2% higher than a year earlier. With so few sales, a group of new Delta Shores closings can move that median sharply, so compare individual resale homes rather than the ZIP figure.
A new home comes with a builder warranty, current-code wiring and insulation, and, at KB's communities, solar panels priced on top of the base price. A resale home usually has a larger, mature lot, no construction wait and more room to negotiate. Resale homes are also the only option in the older central neighborhoods.
Inspections and warranties on a new Sacramento home
A new house passes city or county building inspections, but those check code minimums, not workmanship. Hire your own inspector for a pre-drywall inspection and again before the final walk-through, and write down every item for the builder's punch list. Read the builder's written warranty and note how long each part of the home is covered, since terms differ by builder. KB, for example, gives a warranty service phone line on its community pages. Note the dates by which you must report defects, and keep copies of every request you send.
Buying a new Sacramento home with a local agent
Builders' sales staff work for the builder. Tri Pointe's FAQ says that if you are using an agent, the agent must come with you and register you on your first visit, or no referral fee will be paid to the agent. So bring your agent to the first tour. A local agent can compare the builder's price with nearby resale sales, push for incentives such as closing credits or a rate buydown, and review the purchase contract. Since 2024 you sign a written buyer agreement that sets your agent's fee; our commission guide explains it. For help choosing, see our featured Sacramento agent.