Serving Sacramento, CA
Reverse Mortgages in Sacramento
HECM Education for Sacramento Homeowners
Why Sacramento homeowners are exploring reverse mortgages
Sacramento has the highest concentration of state-government retirees in California. CalPERS pensions are reliable — they show up every month, and that stability is worth a lot. But here's what most state retirees discover within a few years of retirement: the pension that felt comfortable at 62 feels tighter at 70. CalPERS cost-of-living adjustments are capped at 2% per year. Actual inflation has outpaced that consistently.
Meanwhile, the home you bought on a state salary 20 years ago has quietly doubled or tripled in value. A house that was $275,000 in Elk Grove or Citrus Heights is now $550,000. That's real money — but unlike your pension, you can't spend it unless you sell. A HECM changes that equation. It gives your pension a partner: a growing line of credit that fills the gap between what CalPERS pays and what Sacramento's cost of living actually demands.
Sacramento housing snapshot
$500,000
Median home value
150,000+
Population 65+
$1,249,125
2026 FHA lending limit
Neighborhood & community values
What makes Sacramento unique for reverse mortgages
Full home value used in calculation
Unlike the Bay Area or LA, most Sacramento homes fall well below the FHA lending limit. That means your full home value is used in the HECM calculation — no equity left on the table.
Strong state-employee retiree base
Sacramento is the capital of California, and thousands of CalPERS and CalSTRS retirees live in the metro area. Pension income works well with the HECM financial assessment, and the program can supplement pension income without taking on monthly payments.
Delay Social Security for a bigger check
Every year you delay Social Security past 62 increases your monthly benefit — up to 8% per year through age 70. A HECM can bridge that gap, providing monthly income from home equity while your Social Security benefit grows. For Sacramento retirees on a CalPERS pension, this combination can significantly boost total lifetime income. See the math on delaying →
Sacramento's HECM sweet spot
Sacramento home values are high enough to generate meaningful proceeds — $200,000+ for many homeowners — but low enough that your full value is used in the calculation. In LA or the Bay Area, equity above the FHA cap is wasted. Here, you get the full benefit of what your home is worth.
How much can Sacramento homeowners get?
Based on a median home value of $500,000 in the Sacramento area, a typical HECM borrower at current rates might access:
Age 65
35-43%
of home value
Age 75
45-53%
of home value
Age 85
55-64%
of home value
These are approximate ranges based on typical expected rates. Your actual amount depends on age, home value, and current rates. Use our free calculator for a personalized estimate or see full amount tables.