Which ZIP codes in Sacramento are retaining their value?

While homeowners in some areas across the United States face plunging home values, there are more than a few metros in Sacramento that are managing to retain a significant percentage of their equity. As a result, potential homebuyers may want to consider purchasing property in these designated areas. A neighborhood's ability to retain its value is a boon to people looking for a strong investment. Real estate in Sacramento is witness to grand, sun-filled days and a sustainable housing market – consider checking out these neighborhoods to experience both qualities.

1. Downtown Sacramento. Topping the list for areas retaining property values is downtown, the Sacramento Business Journal reports. The 95814 ZIP code had a mortgage delinquency rate of 3.5 percent and a negative equity rate of 56.2 percent in the first quarter of 2012. The average real estate asking price is $298,308, while the average sales price remains at $222,273, according to ZipDataMaps.

2. Near Coloma in El Dorado County. In the 95651 ZIP code, the delinquency rate held at 3.1 percent and featured a negative equity rate of 45.7 percent during the first quarter of 2012, claims the Sacramento Business Journal. In addition, the average real estate asking price is $257,750, while the sales price is $342,500. Families might be paying attention to the quality of the community, as the population grew from 483 residents in 2000 to 637 in 2010, according to ZipDataMaps.

3. Near Georgetown in El Dorado County. Consider checking out the many small areas encompassed in El Dorado County for a smart property investment. In the ZIP code of 95634, toward the northeast of Georgetown, the delinquency rate was 3.5 percent in the first quarter of 2012. In addition, the negative equity rate held at 39.1 percent for the same time period. The average real estate asking price is $211,957, while the average sale price was much lower at $161,511, making it an affordable area to buy in. According to ZipDataMaps, the unemployment rate is on the decline. The current level is 9.94 percent - however, the previous month featured a 11.67 unemployment percentage.