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Prunedale CDP, CA

ZIP 95004 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95004

Median Home Value
$914,000
Median Rent
$1,775
Affordability Snapshot
$252,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,871/mo PITI).

13%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

42.9 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 95004 in Prunedale CDP, CA, a household would need roughly $252,000 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 $5,871. That is about 52% above the local median household income ($165,781), 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
75.2%+15% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
11.4%-23% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.8%-92% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$914,000
Home Value
$1,775
Rent
1979
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached85.8%
  • 1-unit attached2.8%
  • 2-9 units0.3%
  • 10+ units0.4%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$914,000
Median rent$1,775
Owner-occupied75.2%
Vacant5.8%
Price-to-income5.5x
Est. income to buy$252,000