Sacramento

Some advantages of buying in Sacramento itself include:

Lower home prices in many neighborhoods. While some Sacramento neighborhoods are expensive, the city generally offers more affordable entry points than Folsom, El Dorado Hills, and parts of Roseville or Rocklin.
Shorter commutes to downtown and state jobs. Sacramento is home to many state government offices, healthcare employers, and business centers. Living in the city can mean significantly less time in traffic.
More established urban amenities. Neighborhoods such as Midtown Sacramento, East Sacramento, and Land Park offer walkability, restaurants, entertainment, historic architecture, and cultural attractions that are harder to find in suburban communities.
Greater housing variety. Sacramento has everything from historic homes and bungalows to condos, townhomes, and newer developments.
Potential redevelopment and appreciation opportunities. Some neighborhoods are experiencing investment and revitalization, creating opportunities for long-term value growth.
Access to healthcare and higher education. Major institutions such as UC Davis Health and California State University, Sacramento are located within the city.

On the other hand, many people choose the surrounding suburbs because they often offer newer housing, highly rated schools, larger lots, and lower crime rates. For example, El Dorado Hills and Folsom are especially popular with families focused on school quality, while Fair Oaks attracts buyers seeking mature neighborhoods and a more small-town feel.

A useful way to think about it is:

Choose Sacramento if your priorities are affordability, urban amenities, shorter commutes, and neighborhood diversity.
Choose Folsom, El Dorado Hills, Roseville, Rocklin, or Fair Oaks if your priorities are top-rated schools, newer developments, larger homes, and a more suburban lifestyle.