When people in Sacramento buy homes, they do it to live and not to rent out. At least that's what recent statistics released by the U.S. Census Bureau show.

Lawnstarter, a Texas-based company that provides various lawn care services, researched the bureau's numbers and broke them down and created a top 14 list of areas with the highest share of mortgages in metro areas.

According to Lawnstarter, Sacramento landed at No. 13 with a 72.44 percent rate owner-occupied of homes in the city. That means just over 474,000 people (343,477 of which still have mortgages) who own homes in the area live there, too, instead of renting out.

So what's the difference in buying and renting in Sacramento? Well, price.

While the city's housing market has always fluctuated, Sacramento is still cheaper than its Bay Area counterparts, and even several southern California cities.

According to Trulia.com, a website that shows market trends in selected cities, the median home cost in Sacramento is $275,000, which is a 12.2 percent increase from the 2015 median of $245,000. Compare that to Silicon Valley and the Bay Area, which have a $1,085,000 and $885,600 median, respectively, according to the National Association of Realtors.

Sacramento's most expensive areas to buy are Arden Town ($1.12 million median), Land Park ($688,500 median) and East Sacramento ($662,500).

The city's rentals are also increasing, numbers show. Like most places, the closer a renter gets to the central city, the higher the prices. Rental properties in midtown and downtown, areas closest to the new arena, are nearing $1,100 per bedroom, according to trulia.com. The suburbs, however, are near $550 per bedroom.