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<div class="mast-top"><span class="issue">No. 1 · October 2026</span><span class="place">Folsom, California</span></div>
<a class="brand" href="/">Sutter Street <span>Dispatch</span></a>
<p class="tag">Folsom, California housing, written plainly</p>
<nav class="nav" aria-label="Sections"><a href="/" aria-current="page">The market</a><a href="/folsom-neighborhoods-north-and-south-of-50/">Neighborhoods</a><a href="/folsom-plan-area-and-development-2026/">What's being built</a><a href="/selling-a-house-in-folsom-2026/">Selling</a></nav>
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<p class="kicker">Issue No. 1 · The market · Folsom, California</p>
<h1>Folsom's housing market in fall 2026: a lower median, more sales, and a $4,100 mortgage payment</h1>
<p class="lede">Folsom is the most expensive city in Sacramento County, the one with the most educated workforce, and the one whose biggest employer has spent two years shrinking. Three things that do not usually sit together. Here is what the fall 2026 numbers say about how they are resolving, with every figure sourced and dated.</p>
<p class="byline">By Elise Marchand · Updated October 13, 2026 · 11 minute read</p>
<div class="ticker" aria-label="Key numbers"><div class="tk"><span class="tk-v">$740,647</span><span class="tk-l">Median sale price, 3 months to Sept 2026 (Redfin)</span></div><div class="tk"><span class="tk-v">−3.7%</span><span class="tk-l">Change in that median vs the same months of 2025</span></div><div class="tk"><span class="tk-v">$369</span><span class="tk-l">Median price per square foot, up 0.5% in a year</span></div><div class="tk"><span class="tk-v">31 days</span><span class="tk-l">Median time on market, vs 32 a year ago</span></div><div class="tk"><span class="tk-v">238</span><span class="tk-l">Homes sold in Sept 2026, up from 218 (+9%)</span></div><div class="tk"><span class="tk-v">99.0%</span><span class="tk-l">Sale-to-list ratio, +0.4 pt vs 2025</span></div><div class="tk"><span class="tk-v">7.40%</span><span class="tk-l">30-year fixed, Oct 8, 2026 (Freddie Mac)</span></div><div class="tk"><span class="tk-v">95,680</span><span class="tk-l">Residents, Jan 1, 2026, +2.1% (CA Dept. of Finance)</span></div></div>
<nav class="toc" aria-label="Contents"><span class="toc-k">Contents</span> <a href="#why-i-started-writing-this">Why I started writing this</a> <span class="sep">·</span> <a href="#the-median-fell-and-it-is-mostly-mix">The median fell, and it is mostly mix</a> <span class="sep">·</span> <a href="#sales-went-up-which-nobody-expected">Sales went up, which nobody expected</a> <span class="sep">·</span> <a href="#the-payment-which-decides-most-of-it">The payment, which decides most of it</a> <span class="sep">·</span> <a href="#who-lives-here-and-the-intel-question">Who lives here, and the Intel question</a> <span class="sep">·</span> <a href="#the-supply-side">The supply side</a> <span class="sep">·</span> <a href="#three-costs-the-listing-portals-leave-out">Three costs the listing portals leave out</a> <span class="sep">·</span> <a href="#what-i-am-watching-into-2027">What I am watching into 2027</a></nav>
<h2 id="why-i-started-writing-this">Why I started writing this</h2>
<p>I spent twenty-four years on the Intel campus at Prairie City Road and took the package in 2024, along with a lot of people I know. Some of them are in Reno now. Since then I have watched the Folsom market get explained by people in Roseville, in San Francisco and on cable television, and almost none of them live here. This letter is the version a neighbor would give you: the numbers, where they come from, and what they mean if you own a house north or south of Highway 50.</p>
<p>I cite everything, with dates, at the bottom, so you can check me. Please do.</p>
<h2 id="the-median-fell-and-it-is-mostly-mix">The median fell, and it is mostly mix</h2>
<p>For the three months ending September 2026, the median sale price in Folsom was $740,647, down 3.7 percent from the same three months of 2025. That is the biggest year-over-year decline among the county's large cities (Elk Grove fell 2.9 percent, Rancho Cordova 0.6 percent, the county overall was flat), and it is the number you will see in headlines.</p>
<p>Here is why I would not read it as a 3.7 percent loss on your house. Over the same window, the median price per square foot rose 0.5 percent to $369. When the median falls and price per foot holds, what changed is the size and type of home that sold: more townhomes and smaller houses, fewer 3,500-square-foot Empire Ranch two-stories. That is exactly what you would expect at a 7.4 percent mortgage rate, when the move-up buyer who was going to stretch to $950,000 stays put and the first-time buyer at $650,000 keeps going.</p>
<aside class="mn"><p><strong>Three checks on the headline.</strong> The FHFA all-transactions index for the Sacramento metro was flat year over year as of the second quarter (408.95 vs 408.64). The county assessor's roll grew 4.93 percent, nearly all from new construction and resales. The Census Bureau's lagging five-year median value for Folsom is $755,200. None of them say "falling."</p></aside>
<p>A couple of other sources say the same thing. The Federal Housing Finance Agency's price index for the Sacramento metro, <a href="https://fred.stlouisfed.org/series/ATNHPIUS40900Q" target="_blank" rel="noopener noreferrer">published by the St. Louis Fed</a>, was flat over the year to the second quarter of 2026. And the <a href="https://sacrealtor.org/housing-statistics/" target="_blank" rel="noopener noreferrer">Sacramento Association of REALTORS®</a> reported a county-wide August median of $550,000, unchanged from a year earlier, with 2.3 months of inventory. Folsom sits about 35 percent above the county median; it has for a decade.</p>
<figure class="chart"><figcaption>Median sale price, latest month available. Folsom is the priciest city in Sacramento County and still well under the statewide median.</figcaption><div class="ld"><div class="ld-row me"><div class="ld-l">Folsom<span>Redfin, 3 mo. to Sep 2026</span></div><div class="ld-bar"><div class="ld-fill" style="width:83%"></div><span class="ld-v">$740,647</span></div></div><div class="ld-row"><div class="ld-l">Elk Grove<span>Redfin, 3 mo. to Sep 2026</span></div><div class="ld-bar"><div class="ld-fill" style="width:71%"></div><span class="ld-v">$629,700</span></div></div><div class="ld-row"><div class="ld-l">Sacramento County<span>SAR, Aug 2026</span></div><div class="ld-bar"><div class="ld-fill" style="width:62%"></div><span class="ld-v">$550,000</span></div></div><div class="ld-row"><div class="ld-l">Rancho Cordova<span>Redfin, 3 mo. to Sep 2026</span></div><div class="ld-bar"><div class="ld-fill" style="width:60%"></div><span class="ld-v">$534,745</span></div></div><div class="ld-row"><div class="ld-l">California<span>C.A.R., Jul 2026</span></div><div class="ld-bar"><div class="ld-fill" style="width:100%"></div><span class="ld-v">$887,680</span></div></div></div></figure>
<h2 id="sales-went-up-which-nobody-expected">Sales went up, which nobody expected</h2>
<p>In September 2026, 238 homes closed in Folsom, against 218 in September 2025, a gain of about 9 percent. Elk Grove's closings fell 10.8 percent over the same month. Same county, same mortgage rate, opposite direction.</p>
<p>My reading is that Folsom's buyer pool is less rate-sensitive than the county's. The <a href="https://www.census.gov/quickfacts/fact/table/folsomcitycalifornia/PST045224" target="_blank" rel="noopener noreferrer">Census Bureau</a> puts the city's median household income at $139,804 and the share of adults with a bachelor's degree at 54.9 percent, both the highest in the county by a wide margin. A household at that income buys with a larger down payment, often from equity in a prior house, and treats a 7.4 percent rate as something to refinance later rather than a reason to wait. Redfin's own migration data says 76 percent of Folsom buyers are moving within the Sacramento metro and that San Francisco is the top outside source, which is the equity-rich buyer the city has drawn since the 1990s.</p>
<p>The market measures agree. Homes went under contract in a median of 31 days (32 a year ago), the sale-to-list ratio was 99.0 percent, Redfin scores the city 76 out of 100 for competitiveness with an average of three offers per sale, and the best-prepared homes still go pending in about nine days at or above asking. It is a seller's market for correctly priced homes and a stubborn one for everything else.</p>
<h2 id="the-payment-which-decides-most-of-it">The payment, which decides most of it</h2>
<p>The <a href="https://www.freddiemac.com/pmms" target="_blank" rel="noopener noreferrer">30-year fixed rate was 7.40 percent on October 8, 2026</a> in Freddie Mac's survey, up from 7.28 the week before and 6.30 a year ago. The climb was fast: <a href="https://fred.stlouisfed.org/series/MORTGAGE30US" target="_blank" rel="noopener noreferrer">the weekly series</a> shows 6.76 on September 10, 7.03 on September 24 and 7.28 on October 1.</p>
<figure class="chart"><figcaption>Monthly principal and interest on the $740,647 Folsom median with 20 percent down (a $592,518 loan), at the Freddie Mac survey rate on each date. Taxes, insurance and any Mello-Roos come on top.</figcaption><div class="pbars"><div class="pb"><div class="pb-bar" style="height:89%"><span>$3,668</span></div><div class="pb-l">6.30%<em>Oct 2025</em></div></div><div class="pb"><div class="pb-bar" style="height:94%"><span>$3,847</span></div><div class="pb-l">6.76%<em>Sep 10</em></div></div><div class="pb"><div class="pb-bar" style="height:96%"><span>$3,954</span></div><div class="pb-l">7.03%<em>Sep 24</em></div></div><div class="pb"><div class="pb-bar" style="height:100%"><span>$4,102</span></div><div class="pb-l">7.40%<em>Oct 8</em></div></div></div></figure>
<p>On the Folsom median with 20 percent down, that is roughly $3,670 a month in principal and interest at last year's rate and $4,100 at this year's, a difference of about $435 a month. Add property tax at 1.1 to 1.8 percent of value depending on which side of the freeway you are on, insurance that is repricing upward, and an HOA, and a $740,000 house in Folsom costs a new buyer something like $5,500 to $6,500 a month to own. That number is why the move-up segment went quiet, and why my neighbors with 3,000-square-foot houses are not calling agents this fall.</p>
<p>One Folsom-specific point. The <a href="https://www.fhfa.gov/data/conforming-loan-limit-cll-values" target="_blank" rel="noopener noreferrer">2026 conforming loan limit for Sacramento County is $832,750</a>, per the FHFA. A buyer putting 20 percent down can stay in a conforming loan up to a $1.04 million purchase; above that, the loan is jumbo, with stricter underwriting and, for most of 2026, a slightly higher rate. That line runs straight through Folsom's upper neighborhoods, and it is one reason the $1 million-plus segment moves slower than the $700,000 segment even in a good year.</p>
<h2 id="who-lives-here-and-the-intel-question">Who lives here, and the Intel question</h2>
<p>The state's <a href="https://dof.ca.gov/forecasting/demographics/estimates-e1/" target="_blank" rel="noopener noreferrer">Department of Finance</a> counted 95,680 residents on January 1, 2026, up 2.1 percent in a year, with 35,837 housing units, up 3.6 percent, the fastest housing growth of any large city in the county. The Census Bureau's mid-2025 estimate is 91,983, up 14.3 percent since 2020. Nearly all of that growth is south of Highway 50 in the Folsom Plan Area, where the first homes were occupied in 2019.</p>
<p>Demographically, Folsom is a family and professional city: 2.64 people per household, 22.7 percent under 18, 69.7 percent owner-occupied, a median gross rent of $2,352, a 26.6-minute average commute, and retail sales of $30,710 per resident in 2022, which is the Palladio and Broadstone effect. The population is 58 percent white, 20 percent Asian and 14 percent Hispanic or Latino by Census categories; 3,317 residents are veterans.</p>
<p>Then there is Intel. The campus at Prairie City Road and Highway 50 has been in Folsom since 1984, once held about 10,000 employees and now holds fewer than 5,000 across 1.6 million square feet. The company cut roughly 300 Folsom positions in November 2024, announced about 600 more in 2025, and said it would sell the 150-acre campus and lease back the space it still needs. As of October 2026 I can find no public confirmation of a buyer. I know people who took the package and stayed, people who went to Micron's Folsom office, and people who are now in Reno, which Redfin lists as the top destination for Folsom households searching to leave. The short version is that the city's largest private employer is a third smaller than it was, the office market along Prairie City Road has a large question mark on it, and the housing market has absorbed this with a 3.7 percent dip in the median and no visible drop in sales. Folsom has more than one employer. Kaiser and Mercy run hospitals here, the Folsom Cordova school district and the state prison are large public employers, UC Davis Health and Dignity Health both bought land for campuses in the Plan Area, and the <a href="https://labormarketinfo.edd.ca.gov/" target="_blank" rel="noopener noreferrer">Employment Development Department</a> had Sacramento County unemployment at 4.8 percent in June 2026.</p>
<h2 id="the-supply-side">The supply side</h2>
<p>Folsom is the only city in the county where a single plan accounts for most future housing. The Folsom Plan Area, 3,520 acres between Highway 50, White Rock Road, Prairie City Road and the El Dorado County line, was brought into the city under Measure W in 2004 and is entitled for about 11,337 homes. The <a href="https://www.folsom.ca.us/government/community-development/planning-services/folsom-plan-area" target="_blank" rel="noopener noreferrer">city's page</a> lists six neighborhoods built or building (Broadstone Estates, Enclave at Folsom Ranch, Folsom Heights, Mangini Ranch, Russell Ranch and White Rock Springs Ranch), two elementary schools, a first commercial center, a fire station opened in 2024 and a first park. In June 2026 the council approved Toll Brothers' 1,424-lot Alder Creek subdivision, and Taylor Morrison has an 804-lot Sierra Oaks map pending.</p>
<p>The city's state housing target for 2021 to 2029 is 6,363 units, and the Plan Area alone covers it. That matters for a seller north of the freeway: there is no scarcity story in Folsom the way there is in Granite Bay or El Dorado Hills. The ceiling on a resale is what a builder charges south of 50, plus whatever premium the older neighborhoods earn for their lots, trees and lake access. The project-by-project scorecard is in <a href="/folsom-plan-area-and-development-2026/">what's being built in Folsom</a>.</p>
<h2 id="three-costs-the-listing-portals-leave-out">Three costs the listing portals leave out</h2>
<p><strong>Mello-Roos south of 50.</strong> Every home in the Plan Area sits in the city's Community Facilities District No. 23, which has seven improvement areas. For Improvement Area No. 2 the city's own materials put the facilities tax at $2,124 to $2,560 a year per home, escalating 2 percent annually through fiscal 2079-80, plus a services tax of $110 to $215 that rises with inflation, and the city's presentation estimates total property tax in that area at about 1.8 percent of value. Older neighborhoods north of the freeway mostly pay the base 1.1 percent or so. On a $750,000 house that is a difference of roughly $5,000 a year, and a lender counts it against the buyer's qualifying payment.</p>
<p><strong>Fire hazard class and insurance.</strong> CAL FIRE's 2025 maps put the hills along Folsom Lake and the city's eastern edge in high and very-high hazard zones, with a wider moderate band; the <a href="https://www.folsom.ca.us/government/fire" target="_blank" rel="noopener noreferrer">Folsom Fire Department</a> posts the city's local map, and the <a href="https://osfm.fire.ca.gov/what-we-do/community-wildfire-preparedness-and-mitigation/fire-hazard-severity-zones" target="_blank" rel="noopener noreferrer">State Fire Marshal</a> hosts the statewide viewer. A home in a high or very-high zone carries a state defensible-space disclosure at sale. With the FAIR Plan's 29.1 percent average increase effective October 15, 2026, and the <a href="https://www.insurance.ca.gov/0400-news/0102-alerts/2026/Major-California-home-insurers-move-to-r.cfm" target="_blank" rel="noopener noreferrer">Department of Insurance</a> reviewing State Farm's and Allstate's filings to resume writing, insurance is the line item most likely to move a Folsom buyer's payment in 2027.</p>
<p><strong>Water and the dam.</strong> Folsom's Plan Area runs on 5,600 acre-feet of water the city recaptured by fixing leaks and renegotiating a contract with Aerojet, a Measure W condition. North of 50, the Army Corps of Engineers' <a href="https://www.spk.usace.army.mil/Missions/Civil-Works/Folsom-Dam-Raise/" target="_blank" rel="noopener noreferrer">Folsom Dam Raise</a> is lifting the dikes and wing dams 3.5 feet for flood control, with construction traffic on streets near the lake until it finishes. Neither affects price. Both come up in escrow.</p>
<h2 id="what-i-am-watching-into-2027">What I am watching into 2027</h2>
<ol><li>The rate. Folsom's sales held at 7.4 percent because its buyers bring equity. If the rate heads toward 8, the move-up segment above $900,000 freezes outright; if it falls back under 7, the spring 2027 market will look like 2024's.</li><li>The Intel campus sale. A buyer who fills 1.6 million square feet with jobs is a different outcome from a buyer who converts it. Watch the recorder's office and the Sacramento Business Journal.</li><li>Plan Area absorption. Toll Brothers' 1,424 lots and Sierra Oaks' 804 are the next wave. The pace at which they sell sets the ceiling for every resale in Broadstone, Empire Ranch and the Parkway.</li><li>Insurance quotes. For the first time, I am hearing of Folsom escrows where the buyer's insurance bid came in two to three times the seller's old premium. That is a repricing of the hills and the lakeside, and it will show up in offers before it shows up in any index.</li><li>The UC Davis and Dignity campuses. Two health systems bought land in the Plan Area. If either breaks ground on a hospital, Folsom's job base changes shape.</li></ol>
<aside class="seller"><div class="seller-k">For the owner who is selling</div><p>If you are selling a Folsom house this winter, the market will reward you for being honest about which segment you are in. Under about $800,000, with a clean house and a price set from the last three sales on your street, you will see multiple offers in two weeks. Above $900,000, you are selling to a smaller, pickier, equity-funded buyer who is comparing you to a brand-new house south of 50, and you should price under the builder's equivalent and expect four to six weeks.</p><p>The hardest Folsom sale in 2026 is the one that does not fit either lane: a 1980s house in original condition, an inherited home with heirs out of state, a lakeside property with a fire-zone disclosure and an insurance problem, or a relocation on a deadline. For those, get a written cash number before you commit to a listing. <a href="https://we-buy-houses-sacramento-ca.com/sacramento/folsom/" class="money">Pacific Home Buyers buys houses in Folsom for cash</a> in any condition, closes in seven to thirty days and picks up the closing costs, so their figure and your net are nearly the same number. Set it beside an agent's net sheet with realistic repair credits, three months of carrying costs at $5,000-plus a month, and a 2026-sized insurance contingency, and the comparison will answer itself. The method is in <a href="/selling-a-house-in-folsom-2026/">selling a house in Folsom in 2026</a>.</p></aside>
<section class="faq"><h2 id="faq">Reader questions</h2><details><summary>Are Folsom home prices dropping?</summary><p>The three-month median through September 2026 was $740,647, 3.7 percent below the same stretch of 2025, while the median price per square foot edged up 0.5 percent to $369. The decline reflects a shift toward smaller homes selling, not a broad loss of value; the regional price index was flat over the same year.</p></details><details><summary>Is Folsom still a seller's market?</summary><p>For well-priced homes, yes. Homes went under contract in a median of 31 days in September 2026, the sale-to-list ratio was 99 percent, and Redfin rates the city "very competitive" with about three offers per sale. The upper segment, above roughly $900,000, is slower because of the 7.4 percent rate and the $832,750 conforming loan limit.</p></details><details><summary>How is Intel's downsizing affecting Folsom real estate?</summary><p>The campus has gone from about 10,000 employees to fewer than 5,000 and is being sold with a partial leaseback. So far the housing market has absorbed it: sales rose 9 percent year over year in September 2026 and the median slipped 3.7 percent. The larger effect is on office space along Prairie City Road, and on which households are leaving for Reno and Nevada.</p></details><details><summary>What is Mello-Roos in Folsom Ranch and how much is it?</summary><p>Homes in the Folsom Plan Area sit in the city's CFD No. 23, which has seven improvement areas with their own rates. In Improvement Area No. 2 the facilities tax is $2,124 to $2,560 a year per home, rising 2 percent a year through 2079-80, plus a services tax of $110 to $215. The city estimates total property tax there at about 1.8 percent of value. Check the parcel's tax bill for the exact figure.</p></details><details><summary>Does it make sense to sell a Folsom house to a cash buyer?</summary><p>For a turnkey house in a strong neighborhood, a listing usually nets more. For an original-condition home, an estate, a fire-zone property with an insurance problem, or a move on a deadline, a written cash offer is often within a few percent of the listing net once repairs, credits, commissions and carrying costs come out, and it closes in weeks. <a href="https://we-buy-houses-sacramento-ca.com/sacramento/folsom/" class="money">Pacific Home Buyers' Folsom page</a> is one place to get that figure.</p></details></section>
<section class="sources"><h2 id="sources">Where the numbers come from</h2><ol><li>Redfin's Folsom market page, data through September 2026 (median, price per foot, days on market, closings, sale-to-list, Compete Score, migration). It is a brokerage, so no link, but the page is public.</li><li><a href="https://www.freddiemac.com/pmms" target="_blank" rel="noopener noreferrer">Freddie Mac Primary Mortgage Market Survey</a>, October 8, 2026, and the <a href="https://fred.stlouisfed.org/series/MORTGAGE30US" target="_blank" rel="noopener noreferrer">weekly series on FRED</a>.</li><li><a href="https://fred.stlouisfed.org/series/ATNHPIUS40900Q" target="_blank" rel="noopener noreferrer">FHFA All-Transactions House Price Index, Sacramento MSA, via FRED</a>, Q2 2026; <a href="https://www.fhfa.gov/data/conforming-loan-limit-cll-values" target="_blank" rel="noopener noreferrer">FHFA conforming loan limits for 2026</a> (Sacramento County, one unit: $832,750).</li><li><a href="https://sacrealtor.org/housing-statistics/" target="_blank" rel="noopener noreferrer">Sacramento Association of REALTORS®, August 2026</a>; <a href="https://www.car.org/marketdata/data/countysalesactivity" target="_blank" rel="noopener noreferrer">California Association of REALTORS® market data</a>.</li><li><a href="https://www.census.gov/quickfacts/fact/table/folsomcitycalifornia/PST045224" target="_blank" rel="noopener noreferrer">U.S. Census Bureau QuickFacts, Folsom city</a>; <a href="https://dof.ca.gov/forecasting/demographics/estimates-e1/" target="_blank" rel="noopener noreferrer">California Department of Finance, E-1 estimates, January 2026</a>.</li><li><a href="https://assessor.saccounty.gov/" target="_blank" rel="noopener noreferrer">Sacramento County Assessor</a>, 2026-27 roll.</li><li><a href="https://www.folsom.ca.us/government/community-development/planning-services/folsom-plan-area" target="_blank" rel="noopener noreferrer">City of Folsom, Folsom Plan Area</a>; <a href="https://www.folsom.ca.us/government/community-development/planning-services/development-projects" target="_blank" rel="noopener noreferrer">Development Projects</a>; <a href="https://www.folsom.ca.us/government/community-development/housing-services/housing-element-646" target="_blank" rel="noopener noreferrer">Housing Element 2021-2029</a>; City Council materials on CFD No. 23.</li><li><a href="https://www.folsom.ca.us/government/fire" target="_blank" rel="noopener noreferrer">City of Folsom Fire Department</a> (2025 local fire hazard map); <a href="https://osfm.fire.ca.gov/what-we-do/community-wildfire-preparedness-and-mitigation/fire-hazard-severity-zones" target="_blank" rel="noopener noreferrer">Office of the State Fire Marshal</a>; <a href="https://www.insurance.ca.gov/0400-news/0102-alerts/2026/Major-California-home-insurers-move-to-r.cfm" target="_blank" rel="noopener noreferrer">California Department of Insurance, September 2026</a>.</li><li><a href="https://www.spk.usace.army.mil/Missions/Civil-Works/Folsom-Dam-Raise/" target="_blank" rel="noopener noreferrer">U.S. Army Corps of Engineers, Folsom Dam Raise</a>; <a href="https://labormarketinfo.edd.ca.gov/" target="_blank" rel="noopener noreferrer">California EDD Labor Market Information</a>.</li></ol></section>
<section class="author"><div class="author-k">About the writer</div><p><strong>Elise Marchand.</strong> Elise spent twenty-four years as a product engineer on the Intel campus at Prairie City Road, took the 2024 package, and has lived in the Lexington Hills part of Folsom since 2003. She writes the Dispatch because the Folsom market gets described by people who do not live in it. She is not a real estate agent, lender or attorney; nothing here is advice, and every number carries a source and a date.</p></section>
</article>
<section class="more"><h2>Also in this issue</h2><ul><li><a href="/folsom-neighborhoods-north-and-south-of-50/"><span class="more-k">Neighborhoods</span> Folsom Neighborhoods: North of 50, South of 50, and the Lakeside Hills</a></li><li><a href="/folsom-plan-area-and-development-2026/"><span class="more-k">What's being built</span> What's Being Built in Folsom in 2026: Plan Area, Hospitals, Dam, Intel</a></li><li><a href="/selling-a-house-in-folsom-2026/"><span class="more-k">Selling</span> Selling a House in Folsom in 2026: Price Lanes, Fire Zones and Cash Offers</a></li></ul></section>
</main>
<footer class="foot"><div class="wrap">
<p><strong>Sutter Street Dispatch</strong> is an independent, occasional letter about housing in Folsom, California, named for the street the town grew up on. Figures are drawn from the public sources cited on each page and dated; markets move, so confirm with the primary source before acting.</p>
<p>Not a brokerage, lender or law firm. No listings, no lead forms. © 2026.</p>
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