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Templeton CDP, CA

ZIP 93465 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93465

Median Home Value
$875,200
Median Rent
$1,907
Affordability Snapshot
$241,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,622/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

38.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 93465 in Templeton CDP, CA, a household would need roughly $241,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,622. That is about 99% above the local median household income ($120,843), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.1%+18% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
4.2%-39% vs US avg
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
36.9%-4% vs US avg
x
$875,200
Home Value
$1,907
Rent
1998
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached88.2%
  • 1-unit attached2.5%
  • 2-9 units4.1%
  • 10+ units0.3%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$875,200
Median rent$1,907
Owner-occupied77.1%
Vacant6.5%
Price-to-income7.2x
Est. income to buy$241,000