I gotta say, and in no way am I trying to dis VacavilleFC3S, but I would live in just about any city in the Sacramento region before I lived anywhere near Vacaville (and I live in Yuba City, so that's saying a lot). My top three areas would be Rocklin, Roseville, and Folsom.
As far as certain regions within Sacramento being "ghetto", I think that some of the Pocket and Florin areas come pretty darn close to earning that designation.