Northlake Homes for Sale

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  $875,000 Open Sun 1PM - 4PM

  • 5 Beds
  • 4 Baths
  • 3,460 Sq Ft

  3912 Azul Way, Sacramento, CA 95835

  Welcome to 3912 Azul Way in the desirable community of Northlake in Natomas. This spacious home offers 5 bedrooms, plus a loft and 4 full bathrooms. (2 bedrooms and 2 full bathrooms are downstairs and one is a junior ensuite with a walk-in closet and a large bathroom with double sinks, separate shower and tub, perfect for generational living). The open layout features a bright living room and a

  

  Anita Bassi

  Windermere Signature Properties Natomas

  (866) 854-3132

  

  3912 Azul Way, Sacramento, CA 95835
• Explore Northlake

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  /19

  $716,990 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,776 Sq Ft

  5337 Pacific Yacht Way, Sacramento, CA 95835

  This new two-story home offers luxurious living with two owner’s suites, each featuring a spa-inspired bathroom and generous walk-in closet. On the first floor is an inviting open-concept floorplan with access to the California Room for simple outdoor living, conveniently located near the first owner’s suite. A versatile loft provides a shared living area on the second floor near three bedrooms

  Lennar Builder

  5337 Pacific Yacht Way, Sacramento, CA 95835
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  /19

  $748,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,869 Sq Ft

  Residence 2869 Plan at Northlake - Crestvue, Sacramento, CA 95835

  This new two-story home provides space for the whole family to thrive, with a first-floor Great Room and dining room flanking the California Room on two sides, a gourmet kitchen and a secondary bedroom. Upstairs are a versatile loft and tranquil bedrooms, including the expansive owner’s suite.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036250, Sacramento, CA 95835
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  /17

  $623,990 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,107 Sq Ft

  146 Dock Cir, Sacramento, CA 95835

  This two-story home shares an open layout between the kitchen, dining area and Great Room for easy entertaining, along with access to the California Room for year-round outdoor entertainment. An office is off the shared living space and is great for working from home. Upstairs is the luxe owner's suite complete with an en-suite bathroom and walk-in closet, along with three secondary bedrooms, one

  Lennar Builder

  146 Dock Cir, Sacramento, CA 95835
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  /25

  $630,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,018 Sq Ft

  Residence 2018 Plan at Northlake - Shor, Sacramento, CA 95835

  This new two-story home suits your laid-back lifestyle. Included on the first floor are an open-plan Great Room, airy dining room, gourmet kitchen and a bedroom that could be a guest room. Upstairs are a versatile loft, the owner’s suite and secondary bedrooms.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036258, Sacramento, CA 95835
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  /17

  $737,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,727 Sq Ft

  3919 Sunset Harbor Ave, Sacramento, CA 95835

  This new two-story home features a secluded bedroom near the front off the entry, leading to an inviting open-concept layout shared between the kitchen, living and dining areas. A nearby California Room provides seamless indoor-outdoor living, ideal for entertaining and leisure. On the second floor, two additional bedrooms and a luxurious owner’s suite are just steps from a convenient shared

  Lennar Builder

  3919 Sunset Harbor Ave, Sacramento, CA 95835
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  /16

  $917,426 New Construction

  • 4 Beds
  • 3 Baths
  • 2,869 Sq Ft

  5237 Delta Marina Way, Sacramento, CA 95835

  This new two-story home provides space for the whole family to thrive, with a first-floor Great Room and dining room flanking the California Room on two sides, a gourmet kitchen and a secondary bedroom. Upstairs are a versatile loft and tranquil bedrooms, including the expansive owner’s suite.

  Lennar Builder

  5237 Delta Marina Way, Sacramento, CA 95835
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  /15

  $733,490 New Construction

  • 5 Beds
  • 3 Baths
  • 2,612 Sq Ft

  5385 Island Yacht Way, Sacramento, CA 95835

  This new two-story home features an inviting open-concept floorplan on the first level that blends the kitchen, living and dining areas for seamless transitions and multitasking. A nearby California Room offers simple outdoor living, and a convenient bedroom is located at the front of the home. On the second floor, a versatile loft is easily accessible from two bedrooms and the luxurious owner’s

  Lennar Builder

  5385 Island Yacht Way, Sacramento, CA 95835
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  /18

  $849,537 New Construction

  • 5 Beds
  • 3 Baths
  • 2,964 Sq Ft

  5484 Pacific Yacht Way, Sacramento, CA 95835

  This new two-story home is designed with modern lifestyles in mind. The first floor features an inviting open floorplan shared between the spacious Great Room, a dining room and modern kitchen, with convenient access to a patio for open-air parties. A private bedroom is ideal for overnight guests. On the second floor is a versatile loft space easily accessible from four additional bedrooms,

  Lennar Builder

  5484 Pacific Yacht Way, Sacramento, CA 95835
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  /15

  $571,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,569 Sq Ft

  57 Hallowell Ct, Sacramento, CA 95835

  This new two-story home is host to an inviting open-concept layout on the first floor that combines the kitchen with the living and dining areas, and a convenient covered patio offers enhanced outdoor living. Upstairs, three bedrooms surround a versatile loft, including the lavish owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  57 Hallowell Ct, Sacramento, CA 95835
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  /16

  $821,740 New Construction

  • 4 Beds
  • 3 Baths
  • 2,463 Sq Ft

  5367 Delta Marina Way, Sacramento, CA 95835

  This new two-story home is host to an inviting open-concept living area with convenient outdoor access in the California Room, perfect for everyday entertaining. A bedroom and full bathroom can be found off the entry. Upstairs, three additional bedrooms surround a versatile loft, including the lavish owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  5367 Delta Marina Way, Sacramento, CA 95835
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  $872,990 New Construction

  • 5 Beds
  • 4 Baths
  • 3,460 Sq Ft

  Residence 3460 Plan at Northlake - Bleau, Sacramento, CA 95835

  This new two-story home features two luxurious owner’s suite for unparalleled comfort, each with a private bathroom and walk-in closet. An open-concept layout boasts easy access to a covered patio, while a secondary bedroom is nestled into a private rear corner with a secluded owner’s suite near the front of the home. On the second floor is a second owner’s suite, two additional bedrooms and a

  Lennar Builder

  25 Davies Harbor Ct Unit 36036227, Sacramento, CA 95835
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  /17

  $570,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,765 Sq Ft

  Residence 1765 Plan at Northlake - Shor, Sacramento, CA 95835

  This new two-story home is designed for ease and comfort. The first-floor Great Room flows into a dining room and a kitchen with a center island. Upstairs are spacious bedrooms for restful nights. The owner’s suite has a luxe bathroom and two walk-in closets.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036259, Sacramento, CA 95835
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  /16

  $758,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,869 Sq Ft

  3861 Oyster Point Way, Sacramento, CA 95835

  This new two-story home provides space for the whole family to thrive, with a first-floor Great Room and dining room flanking the California Room on two sides, a gourmet kitchen and a secondary bedroom. Upstairs are a versatile loft and tranquil bedrooms, including the expansive owner’s suite.

  Lennar Builder

  3861 Oyster Point Way, Sacramento, CA 95835
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  /16

  $667,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,179 Sq Ft

  3566 Emery Cove Way, Sacramento, CA 95835

  On the first floor of this new two-story home, an open-concept layout combines the kitchen, dining room and Great Room, with a convenient bedroom and full bathroom located near the entry. Upstairs, three additional bedrooms surround a versatile loft, including the luxurious owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  3566 Emery Cove Way, Sacramento, CA 95835
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  /21

  $736,990 New Construction

  • 5 Beds
  • 3.5 Baths
  • 2,966 Sq Ft

  Residence 2966 Plan at Northlake - Watersyde, Sacramento, CA 95835

  This new two-story Next Gen home offers a first-floor private suite with a separate entrance, living room, bedroom, bathroom and kitchenette that enables relatives to live independently. In the main home, the first floor has a Great Room, dining room, kitchen and California Room. Upstairs are a loft and four bedrooms.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036246, Sacramento, CA 95835
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  /22

  $709,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,386 Sq Ft

  Residence 2386 Plan at Northlake - Wavmor, Sacramento, CA 95835

  A secluded bedroom is located off the entry of this new two-story home, leading to a spacious and flexible open-concept floorplan with convenient access to the inviting California Room for outdoor entertainment. On the second floor is a versatile loft surrounded by three additional bedrooms, including the luxurious owner’s suite with a spa-inspired bathroom and walk-in closet.

  Lennar Builder

  5472 Lopez Lake Way Unit 36036238, Sacramento, CA 95835
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  /19

  $757,146 New Construction

  • 4 Beds
  • 3 Baths
  • 2,679 Sq Ft

  Residence 2679 Plan at Northlake - Crestvue, Sacramento, CA 95835

  This two-story home features a first-floor open layout among the Great Room, kitchen and dining room for family dinners and movie nights, and an attached California Room. Nearby, a separate bedroom is perfect for overnight guests, while the second level features three bedrooms, including the owner’s suite, and a versatile loft.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036249, Sacramento, CA 95835
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  /15

  $709,700 New Construction

  • 4 Beds
  • 3 Baths
  • 2,309 Sq Ft

  3730 Blair Island, Sacramento, CA 95835

  This new two-story home has a modern design with a first-floor Great Room, dining room, gourmet kitchen and secondary bedroom. The attached California Room invites residents to spend time outdoors. Upstairs bedrooms include an owner’s suite with a luxe bathroom and a walk-in closet.

  Lennar Builder

  3730 Blair Island, Sacramento, CA 95835
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  /15

  $617,990 New Construction

  • 4 Beds
  • 3 Baths
  • 1,907 Sq Ft

  62 Hallowell Ct, Sacramento, CA 95835

  This new two-story home features an expansive layout with room to grow. Off the entry is a convenient bedroom and full bathroom, leading to an open-concept floorplan consisting of the kitchen, dining room and Great Room. Three additional bedrooms share a footprint with a versatile loft on the second floor, including the luxe owner’s suite with a spa-inspired bathroom and generous walk-in closet.

  Lennar Builder

  62 Hallowell Ct, Sacramento, CA 95835
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  /16

  $723,087 New Construction

  • 4 Beds
  • 3 Baths
  • 2,679 Sq Ft

  3843 Oyster Point Way, Sacramento, CA 95835

  This two-story home features a first-floor open layout among the Great Room, kitchen and dining room for family dinners and movie nights, and an attached California Room. Nearby, a separate bedroom is perfect for overnight guests, while the second level features three bedrooms, including the owner’s suite, and a versatile loft.

  Lennar Builder

  3843 Oyster Point Way, Sacramento, CA 95835
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  /16

  $761,926 New Construction

  • 4 Beds
  • 3 Baths
  • 2,869 Sq Ft

  3848 Oyster Point Way, Sacramento, CA 95835

  This new two-story home provides space for the whole family to thrive, with a first-floor Great Room and dining room flanking the California Room on two sides, a gourmet kitchen and a secondary bedroom. Upstairs are a versatile loft and tranquil bedrooms, including the expansive owner’s suite.

  Lennar Builder

  3848 Oyster Point Way, Sacramento, CA 95835
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  /16

  $644,990 New Construction

  • 3 Beds
  • 3 Baths
  • 2,127 Sq Ft

  5372 Island Yacht Way, Sacramento, CA 95835

  This new two-story home is host to an inviting open-concept layout on the first floor with convenient access to the inviting California Room for convenient outdoor entertainment and leisure. The luxurious owner’s suite is nestled into a private rear corner, with an additional bedroom at the front of the home. Another bedroom shares the second floor with a versatile loft space.

  Lennar Builder

  5372 Island Yacht Way, Sacramento, CA 95835
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  /19

  $910,636 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,131 Sq Ft

  5467 Pacific Yacht Way, Sacramento, CA 95835

  With a spacious Next Gen design, this new two-story home features a signature attached suite with a separate entrance, living room, bedroom, bathroom and kitchenette. In the main home, the first floor consists of a breezy open layout shared among the Great Room, kitchen, dining room and adjoining covered patio. Upstairs is a central loft surrounded by two secondary bedrooms and the luxurious

  Lennar Builder

  5467 Pacific Yacht Way, Sacramento, CA 95835
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  /20

  $629,990 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,107 Sq Ft

  Residence 2107 Plan at Northlake - Lakelet, Sacramento, CA 95835

  This two-story home shares an open layout between the kitchen, dining area and Great Room for easy entertaining, along with access to the California Room for year-round outdoor entertainment. An office is off the shared living space and is great for working from home. Upstairs is the luxe owner's suite complete with an en-suite bathroom and walk-in closet, along with three secondary bedrooms, one

  Lennar Builder

  25 Davies Harbor Ct Unit 36036256, Sacramento, CA 95835
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  /16

  $654,990 New Construction

  • 3 Beds
  • 3 Baths
  • 2,127 Sq Ft

  5366 Pacific Yacht Way, Sacramento, CA 95835

  This new two-story home is host to an inviting open-concept layout on the first floor with convenient access to the inviting California Room for convenient outdoor entertainment and leisure. The luxurious owner’s suite is nestled into a private rear corner, with an additional bedroom at the front of the home. Another bedroom shares the second floor with a versatile loft space.

  Lennar Builder

  5366 Pacific Yacht Way, Sacramento, CA 95835
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  /16

  $649,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,179 Sq Ft

  5421 Fiddler Cove Way, Sacramento, CA 95835

  On the first floor of this new two-story home, an open-concept layout combines the kitchen, dining room and Great Room, with a convenient bedroom and full bathroom located near the entry. Upstairs, three additional bedrooms surround a versatile loft, including the luxurious owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  5421 Fiddler Cove Way, Sacramento, CA 95835
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  $593,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,765 Sq Ft

  5425 Fiddler Cove Way, Sacramento, CA 95835

  This new two-story home is designed for ease and comfort. The first-floor Great Room flows into a dining room and a kitchen with a center island. Upstairs are spacious bedrooms for restful nights. The owner’s suite has a luxe bathroom and two walk-in closets.

  Lennar Builder

  5425 Fiddler Cove Way, Sacramento, CA 95835
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  /20

  $834,668 New Construction

  • 5 Beds
  • 3 Baths
  • 3,104 Sq Ft

  Residence 3104 Plan at Northlake - Drifton, Sacramento, CA 95835

  This new two-story home is designed with modern lifestyles in mind. The first floor features an inviting open floorplan shared between the spacious Great Room, a dining room and modern kitchen, with convenient access to a patio for open-air parties. A private bedroom is ideal for overnight guests. On the second floor is a versatile loft space easily accessible from four additional bedrooms,

  Lennar Builder

  5472 Lopez Lake Way Unit 36036232, Sacramento, CA 95835
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  /15

  $571,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,569 Sq Ft

  5961 Highport Dr, Sacramento, CA 95835

  This new two-story home is host to an inviting open-concept layout on the first floor that combines the kitchen with the living and dining areas, and a convenient covered patio offers enhanced outdoor living. Upstairs, three bedrooms surround a versatile loft, including the lavish owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  5961 Highport Dr, Sacramento, CA 95835
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  /21

  $785,595 New Construction

  • 5 Beds
  • 4 Baths
  • 2,793 Sq Ft

  Residence 2793 Plan at Northlake - Watersyde, Sacramento, CA 95835

  This new two-story home features a modern and spacious floorplan. A convenient bedroom and full bathroom are located off the entry, leading to an inviting open layout that combines the kitchen, dining room and Great Room. Upstairs, four additional bedrooms surround a versatile loft, including the lavish owner’s suite.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036245, Sacramento, CA 95835
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  /22

  $878,636 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,131 Sq Ft

  Residence 3131 Plan at Northlake - Drifton, Sacramento, CA 95835

  With a spacious Next Gen design, this new two-story home features a signature attached suite with a separate entrance, living room, bedroom, bathroom and kitchenette. In the main home, the first floor consists of a breezy open layout shared among the Great Room, kitchen, dining room and adjoining covered patio. Upstairs is a central loft surrounded by two secondary bedrooms and the luxurious

  Lennar Builder

  5472 Lopez Lake Way Unit 36036233, Sacramento, CA 95835
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  /17

  $663,990 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,419 Sq Ft

  152 Dock Cir, Sacramento, CA 95835

  This new two-story home features a modern layout with room to grow. On the first floor, an open-concept floorplan boasts outdoor access via the California Room, with a convenient bedroom tucked away to the side of the home. Upstairs, a versatile loft shares a footprint with three additional bedrooms, including the luxurious owner’s suite.

  Lennar Builder

  152 Dock Cir, Sacramento, CA 95835
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  /18

  $931,214 New Construction

  • 5 Beds
  • 3.5 Baths
  • 2,966 Sq Ft

  5401 Morena Way, Sacramento, CA 95820

  This new two-story Next Gen home offers a first-floor private suite with a separate entrance, living room, bedroom, bathroom and kitchenette that enables relatives to live independently. In the main home, the first floor has a Great Room, dining room, kitchen and California Room. Upstairs are a loft and four bedrooms.

  Lennar Builder

  5401 Morena Way, Sacramento, CA 95820
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  /15

  $634,990 New Construction

  • 4 Beds
  • 3 Baths
  • 1,907 Sq Ft

  5960 Highport Dr, Sacramento, CA 95835

  This new two-story home features an expansive layout with room to grow. Off the entry is a convenient bedroom and full bathroom, leading to an open-concept floorplan consisting of the kitchen, dining room and Great Room. Three additional bedrooms share a footprint with a versatile loft on the second floor, including the luxe owner’s suite with a spa-inspired bathroom and generous walk-in closet.

  Lennar Builder

  5960 Highport Dr, Sacramento, CA 95835
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  /16

  $696,587 New Construction

  • 4 Beds
  • 3 Baths
  • 2,679 Sq Ft

  3836 Oyster Point Way, Sacramento, CA 95835

  This two-story home features a first-floor open layout among the Great Room, kitchen and dining room for family dinners and movie nights, and an attached California Room. Nearby, a separate bedroom is perfect for overnight guests, while the second level features three bedrooms, including the owner’s suite, and a versatile loft.

  Lennar Builder

  3836 Oyster Point Way, Sacramento, CA 95835
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  /15

  $597,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,631 Sq Ft

  63 Hallowell Ct, Sacramento, CA 95835

  This new two-story home features a modern and spacious layout. On the first floor, an open-concept floorplan boasts convenient outdoor access with a covered patio. Three bedrooms surround a versatile loft on the second floor, including the owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  63 Hallowell Ct, Sacramento, CA 95835
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  /19

  $653,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,179 Sq Ft

  Residence 2179 Plan at Northlake - Shor, Sacramento, CA 95835

  On the first floor of this new two-story home, an open-concept layout combines the kitchen, dining room and Great Room, with a convenient bedroom and full bathroom located near the entry. Upstairs, three additional bedrooms surround a versatile loft, including the luxurious owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  25 Davies Harbor Ct Unit 36036261, Sacramento, CA 95835
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  /18

  $751,345 New Construction

  • 5 Beds
  • 4 Baths
  • 2,793 Sq Ft

  3724 Blair Island, Sacramento, CA 95835

  This new two-story home features a modern and spacious floorplan. A convenient bedroom and full bathroom are located off the entry, leading to an inviting open layout that combines the kitchen, dining room and Great Room. Upstairs, four additional bedrooms surround a versatile loft, including the lavish owner’s suite.

  Lennar Builder

  3724 Blair Island, Sacramento, CA 95835
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  /15

  $584,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,631 Sq Ft

  56 Hallowell Ct, Sacramento, CA 95835

  This new two-story home features a modern and spacious layout. On the first floor, an open-concept floorplan boasts convenient outdoor access with a covered patio. Three bedrooms surround a versatile loft on the second floor, including the owner’s suite with an en-suite bathroom and walk-in closet.

  Lennar Builder

  56 Hallowell Ct, Sacramento, CA 95835

Showing Results 1 - 40, Page 1 of 4

Why Live in Northlake

Northlake is a new master-planned community in North Natomas, Sacramento. Centering around the association’s lake, Northlake has seven subdivisions with single-family homes, amenities such as a clubhouse and a pool and walking paths for residents to ...

Learn more about living in Northlake

Frequently Asked Questions

Is Northlake a good place to live?

Northlake is a good place to live. Northlake is considered very car-dependent and somewhat bikeable with minimal transit options. Northlake is a neighborhood with a crime score of 1, making it safer than the average neighborhood in the U.S. Northlake has 2 parks for recreational activities. It has a median age of 44. The average household income is $194,931 which is above the national average. College graduates make up 28.6% of residents. A majority of residents in Northlake are home owners, with 19.7% of residents renting and 80.3% of residents owning their home. A local real estate agent serving Northlake can help you decide if this neighborhood is the right one for you. Learn more on our Northlake neighborhood guide.

Is Northlake, CA a safe neighborhood?

Northlake, CA is safer than the average neighborhood in the United States. It received a crime score of 1 out of 10.

How much do you need to make to afford a house in Northlake?

The median home price in Northlake is $710,946. If you put a 20% down payment of $142,200 and had a 30-year fixed mortgage with an interest rate of 6.09%, your estimated principal and interest payment would be $3,440 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $147K a year to afford the median home price in Northlake. Learn how much home you can afford with our Home Affordability Calculator. The average household income in Northlake is $195K.

What are the best public schools in Northlake?

The best public schools that serve Northlake are:

• Inderkum High School has a B+ Niche grade, a student teacher ratio of 24:1 and an average review score of 3.7.
• Regency Park Elementary School has a B Niche grade and a student teacher ratio of 29:1.
• Paso Verde has a B Niche grade and a student teacher ratio of 23:1.

What are the most popular zip codes in Northlake, Sacramento, CA?

The most popular zip codes in Northlake, Sacramento, CA include 95835, 95836, 95834, 95691 and 95833.

What are the most popular neighborhoods near Northlake, Sacramento, CA?

The most popular neighborhoods near Northlake, Sacramento, CA are Natomas Creek, Westlake, North Natomas Village, Heritage Park and Creekside-Sacramento.

Are home prices dropping in Northlake?

Yes, home prices in Northlake are down 5% in the last 12 months.

Home Trends in Northlake, CA

On average, homes in Northlake, Sacramento sell after 33 days on the market compared to the national average of 54 days. The median sale price for homes in Northlake, Sacramento over the last 12 months is $704,526, down 9% from the median home sale price over the previous 12 months.

Housing Trends

Median Sale Price

$704,526

Median Single Family Sale Price

$707,115

Average Price Per Sq Ft

$293

Number of Homes for Sale

119

Last 12 months Home Sales

218

Months of Supply

6.60

Median List Price

$710,946

Median Change From 1st List Price

0%

Median Home Sale Price YoY Change

-9%