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Elk Grove Real Estate

Elk Grove is a city in Sacramento County, California, located just south of the state capital of Sacramento. It is part of the Sacramento–Arden-Arcade–Roseville Metropolitan Statistical Area. As of 2019, the population of the city was estimated at 174,775. Elk Grove has many wineries, wine cellar and vineyards.

Elk Grove FAQ's

Who Pays For Closing Costs In Elk Grove?

In Elk Grove, California, closing costs are typically shared between the buyer and seller. Buyers usually cover loan origination fees, appraisal fees, home inspection costs, title insurance, escrow fees, and property taxes for the portion of the year after closing. Sellers are generally responsible for the real estate agent’s commission, title insurance (seller’s policy), escrow fees, transfer taxes, and any repairs or concessions. However, the division of costs can be negotiated, so both parties should review the closing statement to confirm responsibilities.

Property tax rates in Elk Grove, California, are based on the overall rate set by Sacramento County. The general property tax rate is 1% of the assessed value of the property, as mandated by Proposition 13. In addition to this base rate, there may be additional assessments or taxes for local services, schools, and other special districts, which can vary. These additional taxes typically range from 0.1% to 0.5%, depending on the property location and specific district.

For example, if a property is assessed at $500,000, the base property tax would be approximately $5,000 per year (1% of the assessed value), with potential additional costs based on the local assessments.

To get an accurate estimate, you can check the property’s assessed value and the specific tax rates applied in the area using the Sacramento County Assessor’s Office or a local property tax calculator.

Yes, there are Mello-Roos taxes in Elk Grove. Mello-Roos is a special tax that is used to fund infrastructure and public services in newly developed areas, such as schools, parks, roads, and emergency services. It is applied in certain communities and is usually a part of new home developments or areas with planned community improvements.

In Elk Grove, many newer neighborhoods and developments may have Mello-Roos taxes as part of the overall property tax. The tax amount varies depending on the specific location and the services being funded, but it can add a significant cost to a homeowner’s annual property tax bill. It’s important for potential buyers to inquire about Mello-Roos assessments when considering a property, as they can continue for a set number of years (usually 20-40 years) or until the debt is paid off.

You can check if a property is subject to Mello-Roos taxes by reviewing the property’s tax bill or by contacting the Sacramento County Assessor’s Office.

To switch utilities in Elk Grove, California, you will need to contact the following utility providers:

  1. Electricity & Gas:
    Pacific Gas and Electric (PG&E)

    • Phone: 1-800-743-5000
    • Website: https://www.pge.com
      PG&E provides electricity and natural gas service in Elk Grove. You can call them to start, stop, or transfer service.

  2. Water:
    Elk Grove Water District (EGWD)

    • Phone: 916-685-3556
    • Website: https://www.egwd.org
      EGWD handles water service in Elk Grove. Contact them to switch, start, or stop water services.

  3. Waste Collection:
    Elk Grove Transfer Station

    • Phone: 916-685-1345
    • Website: https://www.ramirezbros.com
      Waste management services are provided by Ramirez & Sons, and you can call them for trash and recycling services.

  4. Cable & Internet:
    If you need to switch cable or internet, the major providers in Elk Grove are:

    • Xfinity (Comcast): 1-800-XFINITY (1-800-934-6489)
    • AT&T: 1-800-288-2020
    • Wave Broadband: 1-866-928-3123

Be sure to notify these providers ahead of your move date to ensure a smooth transition and avoid service interruptions.

The school ratings in Elk Grove, California, are generally strong, with many schools receiving positive reviews for academic performance, extracurricular activities, and overall community involvement. The Elk Grove Unified School District (EGUSD), which serves the area, is one of the largest districts in California and offers a variety of educational options from elementary to high school.

Key Factors:

  1. Academic Performance: Many of the schools in Elk Grove are rated above average in academic performance. The district as a whole is known for its commitment to providing quality education and preparing students for college and career success.

  2. GreatSchools Ratings: GreatSchools, a popular source for school ratings, shows that many Elk Grove schools have ratings in the 7-10 range (on a scale of 1-10), which is considered above average. Some high schools and middle schools, like Laguna Creek High School and Harriet Eddy Middle School, receive high ratings for academic achievement, college readiness, and test scores.

  3. Diversity and Extracurriculars: Elk Grove schools are known for their diversity and the range of extracurricular activities they offer, including sports, music, and various clubs. This contributes to a well-rounded educational experience.

  4. Public vs. Private: While EGUSD public schools are well-rated, there are also several private schools in the area that cater to different educational needs, including Sacramento Adventist Academy and St. Elizabeth Ann Seton School.

Overall, Elk Grove schools are regarded as strong, with high ratings in terms of educational quality, school culture, and student outcomes. However, it’s always a good idea to research specific schools, read reviews from parents and students, and look at test scores to get a more detailed view of the performance at individual schools.

Rent in Elk Grove, California, can vary depending on the type of property, location within the city, and current market conditions. However, as of recent data, here’s a general idea of rental prices in the area:

  1. Apartments:
    • 1-bedroom apartments typically range from $1,400 to $1,800 per month.
    • 2-bedroom apartments generally cost between $1,800 and $2,300 per month.
    • 3-bedroom apartments can range from $2,200 to $2,700 per month, depending on the building and amenities.
  2. Single-Family Homes:
    • 2-bedroom homes usually rent for $1,800 to $2,400 per month.
    • 3-bedroom homes tend to be between $2,400 and $2,800 per month.
    • 4-bedroom homes can range from $2,800 to $3,500 per month, or even higher for larger or more upgraded properties.
  3. Townhomes and Condos:
    • 2- or 3-bedroom townhomes/condos typically rent for $2,000 to $2,500 per month, depending on location and amenities.


Rent prices can fluctuate due to factors such as demand, proximity to schools, parks, and shopping centers, and the overall condition of the property. It’s also important to note that rental prices in Elk Grove have been rising due to its popularity as a family-friendly suburban community, its proximity to Sacramento, and its attractive schools and amenities.

If you’re considering renting in Elk Grove, it’s a good idea to keep an eye on rental listings and potentially reach out to local property management companies or real estate agents to find the best deals.

Elk Grove offers several public transportation options, though the city itself is primarily designed for car-based commuting. Here are the main public transportation services available:

1. Sacramento Regional Transit (SacRT)

  • Bus Service: SacRT operates a network of buses that serve Elk Grove, providing access to various parts of the city and connections to Sacramento. Key routes include service to the Elk Grove Transit Center, which connects to other SacRT bus lines and light rail.

  • Light Rail: While Elk Grove does not have its own light rail system, SacRT’s Blue Line provides light rail service that extends into nearby South Sacramento, which is accessible from Elk Grove via bus connections.

  • For more information: SacRT Website

2. Elk Grove Bus Service

  • Elk Grove Transit: The city operates a local bus service, providing routes within Elk Grove. This includes connections to major hubs like the Elk Grove Transit Center and key destinations within the city, making it easier for residents to get around town.

  • For more information: Elk Grove Transit

3. Uber, Lyft, and Other Ride-Sharing Services
  • Ride-sharing options like Uber and Lyft are widely available in Elk Grove. These services offer more flexibility and convenience for those who prefer not to drive or use traditional public transportation.
4. Commuter Services
  • Park-and-Ride: Elk Grove has park-and-ride locations, particularly at the Elk Grove Transit Center, where commuters can leave their cars and use public transport to reach Sacramento or other destinations.
  • Commuter Express: SacRT offers express bus services for commuters traveling between Elk Grove and downtown Sacramento during peak hours.
5. Bike Lanes and Walking Paths
  • For those who prefer cycling or walking, Elk Grove offers several bike lanes and paths that connect neighborhoods and parks. This option is especially convenient for short trips within the city.
6. Sacramento International Airport (SMF)
  • Although not directly in Elk Grove, the Sacramento International Airport is accessible via local buses or ride-sharing services. It is approximately a 20-25 minute drive from Elk Grove.
Summary:

While Elk Grove is a suburban area with a strong reliance on cars, public transportation options such as SacRT buses, local transit services, and ride-sharing services like Uber and Lyft make it accessible for those who prefer not to drive. For longer trips, the connections to Sacramento’s public transit system provide convenient access.

Yes, Elk Grove offers a variety of tutorial services for students of all ages. These services include both in-person and online tutoring options, covering subjects such as math, English, science, test preparation, and more. Here are some options you might consider:

1. Public School District Support
  • Elk Grove Unified School District (EGUSD) offers academic support services to students, which may include after-school tutoring programs, especially for struggling students in elementary, middle, and high schools. You can contact the specific school for more details on available resources.
  • Homework Help Programs: Some schools partner with community organizations to offer homework help or tutoring services during after-school hours.
2. Private Tutoring Centers
  • Kumon Learning Center: Offers math and reading tutoring for children. There are several locations near Elk Grove where students can receive individualized instruction.
  • Sylvan Learning Center: Offers tutoring for a wide range of subjects, including reading, writing, math, SAT prep, and more. They provide both in-center and online tutoring options.
  • Tutor Doctor: Offers personalized, one-on-one tutoring services for students in all grade levels, focusing on academic needs and specific learning goals.
  • Mathnasium: A tutoring center that specializes in math, offering personalized tutoring sessions for students struggling with math concepts.
3. Online Tutoring Services
  • Wyzant: A platform where you can find private tutors who specialize in a wide range of subjects. Tutors are available for both in-person and online sessions.
  • Chegg Tutors: Offers online tutoring in a variety of subjects for students of all ages. You can schedule tutoring sessions with experts who specialize in specific topics.
  • Khan Academy: Provides free online tutorials and lessons across various subjects, particularly helpful for students needing extra help in subjects like math, science, and history.
4. Library Tutoring Services
  • Elk Grove Library: Local libraries often offer free tutoring programs or homework help sessions for students, particularly during the school year. Check with the Elk Grove Library for availability and schedules.
5. Private Tutors
  • Many independent tutors in Elk Grove provide personalized tutoring services. These tutors may offer services for specific subjects, test prep, or study skills development. You can search online or ask for recommendations from local schools or community groups.


These tutorial services can be very helpful in supplementing a student’s learning, improving grades, or preparing for standardized tests. Whether you’re looking for in-person or online help, there are plenty of options in Elk Grove to meet your needs.

Elk Grove offers a variety of religious facilities to accommodate the diverse faith communities in the area. Here are some of the major religious establishments you can find:

1. Christian Churches
  • Cornerstone Church: A large, non-denominational church offering services, community programs, and educational opportunities for all ages.
  • The River Church: A Christian church with a focus on outreach, community engagement, and spiritual growth.
  • St. Joseph Catholic Church: A well-established Catholic church in Elk Grove, offering Mass, religious education, and various community programs.
  • Elk Grove United Methodist Church: A welcoming church with services, fellowship groups, and youth programs.
2. Jewish Synagogues
  • Congregation B’nai Israel: A Reform Jewish congregation located in nearby Sacramento, offering services, education, and social programs for the Jewish community.
3. Islamic Centers
  • Elk Grove Islamic Center: A mosque that serves the Muslim community in Elk Grove, offering prayer services, religious education, and community events.
  • Sacramento Area League of Associated Muslims (SALAM Center): Located nearby in Sacramento, this center serves the broader Muslim community with prayer services, educational programs, and community outreach.
4. Hindu Temples
  • Sri Shiva Vishnu Temple: A Hindu temple in the Sacramento area (about a 15-minute drive from Elk Grove), offering worship services, cultural programs, and community events.
  • Hindu Temple and Cultural Center of Sacramento: Located in nearby Carmichael, this temple provides a space for religious observance, cultural events, and educational programs for the Hindu community.
5. Buddhist Temples
  • Sacramento Buddhist Church: A Buddhist temple in Sacramento, offering services, meditation, and community programs for the local Buddhist community.
6. Other Faiths
  • Unitarian Universalist Church of Elk Grove: A progressive congregation that offers spiritual services, community-building activities, and social justice programs.
  • Sikh Gurudwaras: There are a few Sikh places of worship in the nearby area, including the Sikh Gurudwara Sahib in Sacramento, which serves the local Sikh community.
7. Other Faith Communities
  • Elk Grove also has a variety of other faith-based organizations, including those for Christian Science, the Bahá’í Faith, and more. Some of these may meet in local community centers or rented spaces.


These religious facilities offer services, study groups, events, and community outreach to serve the spiritual needs of Elk Grove residents. If you’re looking for a specific type of religious community, it’s a good idea to visit their websites or contact them for more information on schedules and activities.

Elk Grove offers several programs and resources to assist first-time homebuyers, new business owners, and individuals new to the community. These programs aim to make the transition easier and support growth and stability. Here are some notable first-time programs available in Elk Grove:

1. First-Time Homebuyer Programs
  • California Housing Finance Agency (CalHFA):
    • Provides down payment assistance, low-interest loans, and mortgage credit certificates to help first-time homebuyers afford a property.
    • Programs include the MyHome Assistance Program and the CalPLUS FHA Loan Program.
    • Website: https://www.calhfa.ca.gov
  • Sacramento County First-Time Homebuyer Assistance:
    • Elk Grove residents may qualify for Sacramento County programs offering grants or loans for down payments and closing costs.
    • Focuses on low- to moderate-income households.
  • Local Workshops and Counseling:
    • Non-profits and local agencies, such as NeighborWorks Sacramento, offer homebuyer education and financial counseling.
2. First-Time Business Owner Support
  • City of Elk Grove Economic Development Department:
    • Offers support for small business owners, including resources for business licensing, permits, and planning.
    • Provides mentorship and guidance through programs like the Startup Elk Grove Incentive Program.
  • SCORE Sacramento:
    • A volunteer-based organization offering free business mentoring, workshops, and resources for entrepreneurs.
    • Focuses on helping first-time business owners navigate challenges.
  • Small Business Development Center (SBDC):
    • Offers free consulting services, training, and resources for startups and small businesses in Elk Grove.
3. New Resident Programs
  • City of Elk Grove New Resident Guide:
    • The city provides a comprehensive guide for new residents, including information on utilities, schools, public services, and recreation.
    • Available on the Elk Grove city website.
  • Community Groups and Events:
    • Programs like Meet Elk Grove introduce new residents to local resources, businesses, and social opportunities.
4. Educational Programs
  • EGUSD Parent University:
    • Offers workshops and resources for parents navigating the school system for the first time, helping them support their children’s education.
    • Includes topics like academic success, technology, and college preparation.
  • First-Time College Student Support:
    • Local colleges, such as Cosumnes River College, offer resources for first-generation college students, including financial aid workshops, mentoring, and academic counseling.
5. Other First-Time Assistance Programs
  • Affordable Housing Resources:
    • Elk Grove partners with local organizations to offer affordable housing options for those entering the housing market for the first time.
  • Recreation Programs for Families:
    • The Cosumnes Community Services District offers family-friendly activities and programs for new families in Elk Grove, including sports leagues, classes, and camps.


Whether you’re buying a home, starting a business, or settling into the community, Elk Grove provides various resources to help you succeed. It’s recommended to check with local organizations or city departments for up-to-date details and application requirements.

Buying a home in Elk Grove can be an exciting and rewarding process, but it requires careful planning and research. Here’s a guide to help you navigate the process:

1. Understand the Market
  • Elk Grove’s real estate market is competitive, with a mix of single-family homes, condos, and new developments.
  • Prices vary by neighborhood, with homes in more desirable areas like Laguna West and East Franklin often being more expensive.
  • Consult a real estate agent familiar with Elk Grove to understand current trends, home values, and neighborhood characteristics.
2. Budget and Financing
  • Determine Your Budget: Assess your financial situation, including savings for a down payment and monthly mortgage affordability.
  • Get Pre-Approved for a Loan: Work with a lender to determine how much you can borrow. This makes your offer more appealing to sellers.
  • Consider state and local programs for first-time buyers, such as CalHFA or down payment assistance programs in Sacramento County.
3. Choose a Neighborhood
  • Elk Grove offers a variety of neighborhoods, each with unique amenities:
    • Family-Friendly Areas: Neighborhoods like Laguna West and Stonelake have great schools, parks, and community events.
    • Affordable Options: Older areas near Old Town Elk Grove might offer more affordable housing.
    • Luxury Homes: For upscale properties, check areas like Laguna Creek.
4. Work with a Real Estate Agent
  • A local real estate agent can help you find the best properties, negotiate offers, and navigate the buying process.
  • They can also provide insights into local regulations, property taxes, and disclosures.
5. Inspect the Property
  • Schedule a home inspection to check for issues like plumbing, roofing, or structural concerns. This step is crucial to avoid unexpected repair costs.
6. Consider Additional Costs
  • Property Taxes: Property tax rates in Elk Grove are about 1% of the assessed value, with additional assessments like Mello-Roos fees in some areas.
  • HOA Fees: Some neighborhoods may have homeowner association fees for shared amenities or maintenance.
  • Closing Costs: These typically include loan origination fees, title insurance, and escrow fees, ranging from 2% to 5% of the purchase price.
7. Finalize the Purchase
  • Once your offer is accepted, work with your lender to complete the mortgage process.
  • Review all documents carefully before signing, and ensure you have homeowner’s insurance in place.
8. Move In and Connect Utilities
  • After closing, schedule your move and contact Elk Grove utility providers to set up water, electricity, gas, and internet services.


Buying a home in Elk Grove is a significant investment, but with proper planning and the right support, it can be a smooth and rewarding experience. Consider reaching out to a local real estate expert for personalized guidance.

Selling a home in Elk Grove involves several steps to ensure a successful and profitable transaction. Here’s a detailed guide to help you through the process:

1. Understand the Local Market
  • Elk Grove’s real estate market is dynamic, with demand often influenced by its family-friendly communities and proximity to Sacramento.
  • Research recent home sales in your area to determine average prices and trends.
  • Consult a real estate agent for a market analysis to understand how your home compares to others in your neighborhood.
2. Prepare Your Home for Sale
  • Declutter and Stage: Clean and declutter your home to make it appealing to buyers. Consider staging to highlight its best features.
  • Repairs and Upgrades: Address any visible issues like leaky faucets, chipped paint, or broken fixtures. Small upgrades, like modernizing kitchen hardware or adding fresh landscaping, can increase your home’s appeal.
  • Deep Cleaning: A thorough cleaning, including carpets and windows, creates a welcoming atmosphere for potential buyers.
3. Set the Right Price
  • Work with a real estate agent to determine a competitive listing price based on comparable homes (comps) in your area.
  • Overpricing can deter buyers, while underpricing might leave money on the table.
4. Market Your Home
  • Professional Photos: High-quality images can make your home stand out on listings.
  • Online Listings: Use platforms like Zillow, Realtor.com, and the MLS (Multiple Listing Service) to reach potential buyers.
  • Open Houses and Showings: Host open houses and private showings to attract interest. Your agent can coordinate these events to ensure maximum exposure.
5. Disclosures and Inspections
  • California law requires sellers to disclose known issues about the property, such as structural problems, pest issues, or repairs needed.
  • Some sellers opt for a pre-inspection to identify and address issues before listing the home.
6. Negotiate Offers
  • Review offers with your real estate agent, considering price, contingencies, and closing timelines.
  • Be prepared for negotiations and counteroffers to ensure you get the best deal.
7. Closing the Sale
  • Once an offer is accepted, the buyer will likely conduct inspections and secure financing.
  • Work with escrow and title companies to handle paperwork, including signing the deed transfer.
  • Pay closing costs, which may include agent commissions (typically 5-6% of the sale price), transfer taxes, and escrow fees.
8. Moving Out
  • Coordinate your move to ensure you vacate the property by the agreed-upon date.
  • Leave the home in clean, broom-swept condition for the new owners.


Selling your home in Elk Grove can be a smooth process with proper planning and the right support. By preparing your property, pricing it strategically, and working with a professional, you can maximize your home’s value and attract serious buyers.

A mortgage broker in Elk Grove can help you find the best loan options for buying a home or refinancing. Mortgage brokers are independent professionals who work with various lenders to offer a wide range of mortgage products that suit your financial situation. Here’s how to find and work with a mortgage broker in Elk Grove:

1. Services Offered by Mortgage Brokers
  • Loan Comparison: Brokers provide you with various loan products from multiple lenders, helping you find the most suitable rates and terms.
  • Pre-Approval: They can assist you in getting pre-approved for a loan, which is often necessary when buying a home.
  • Refinancing: If you’re looking to refinance an existing mortgage, a broker can guide you through options for better terms or lower rates.
  • Loan Guidance: Brokers explain the various loan types, such as FHA, VA, USDA, or conventional loans, and help you choose the best one based on your needs.
2. Finding a Mortgage Broker in Elk Grove
  • Local Referrals: Ask friends, family, or your real estate agent for recommendations. Local brokers often have a strong understanding of the Elk Grove housing market.
  • Online Directories: Websites like the National Association of Mortgage Brokers (NAMB) or Better Business Bureau (BBB) list licensed mortgage brokers in the area.
  • Research: Look for brokers with experience in the specific loan types you need (e.g., first-time homebuyer loans, VA loans) and positive customer reviews.
3. Working with a Mortgage Broker
  • Initial Consultation: Brokers typically meet with clients to assess their financial situation, discuss loan options, and explain the loan process.
  • Loan Application: They help you complete the loan application, gather necessary documentation, and submit it to potential lenders.
  • Loan Shopping: Brokers compare rates from different lenders, negotiate on your behalf, and help you choose the best deal.
  • Fees: Mortgage brokers are typically compensated through a commission paid by the lender or the borrower (or both). Be sure to clarify any fees upfront.
4. Benefits of Working with a Mortgage Broker
  • Access to Multiple Lenders: Brokers have access to a wide range of lenders, including some that may not be available directly to consumers.
  • Better Rates: Mortgage brokers may be able to negotiate better rates or terms based on their relationships with lenders.
  • Save Time: They handle much of the legwork involved in finding and applying for loans, saving you time and effort.
  • Expert Advice: Brokers offer expert advice tailored to your specific financial situation, helping you make informed decisions.
5. Notable Mortgage Brokers in Elk Grove
  • First California Mortgage: Offers a wide range of mortgage products, including first-time homebuyer programs and refinancing options.
  • Walnut Street Mortgage: Provides personalized mortgage solutions and guidance, with competitive rates and flexible terms.
  • Bay Equity Home Loans: A reputable mortgage brokerage offering conventional, FHA, and VA loans, as well as refinancing solutions.


Working with a mortgage broker can simplify the home financing process in Elk Grove, ensuring you find the right loan for your needs at the best possible rate. Just be sure to do your research and choose a broker who is experienced, reliable, and transparent about fees and services.

Properties for Sale in Elk Grove

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