Most City of Sacramento tax-rate areas total about 1.15% of value — the 1% Prop 13 base plus voter-approved school and district bonds. With no Mello-Roos in the established core, that ad valorem rate is essentially the whole story. Expect a one-time supplemental bill about a year after closing for the gap between the seller’s old assessed value and your purchase price.

The established city core generally carries no Mello-Roos at all — a real advantage over the newer master-planned suburbs. It shows up mainly in the newest areas (North Natomas above all), so if you are buying older/central Sacramento the special-tax line is typically blank. Always confirm on the parcel’s tax bill before you make an offer.

Generally none in: Land Park · East Sacramento · Curtis Park · Midtown · downtown

Sitting on the flat Central Valley floor, most of the City of Sacramento carries little or no mapped fire zone under the 2025 CAL FIRE maps, and premiums track rebuild cost and flood exposure more than fire. Core ZIPs 95814, 95818, and 95816 run ≈$1,000–$1,650/yr; river-adjacent Pocket-Greenhaven (95831) runs higher on flood, not fire.

The City of Sacramento is served by SMUD, a community-owned public utility that runs on average more than 50% below PG&E — about $149/mo at 750 kWh versus roughly $290/mo on PG&E for the same power (June 2026). That is roughly $140/month, ~$1,700/year, in the buyer’s favor, and it compounds over 30 years.