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Ben Lomond CDP, CA

ZIP 95005 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95005

Median Home Value
$959,100
Median Rent
$1,992
Affordability Snapshot
$264,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,161/mo PITI).

22%
Rent-to-Income Ratio

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

8.9x
Home Price-to-Income Ratio

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

40.1 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 95005 in Ben Lomond CDP, CA, a household would need roughly $264,000 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 $6,161. That is about 145% above the local median household income ($107,857), 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
71.1%+9% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
17.8%+39% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$959,100
Home Value
$1,992
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached80.6%
  • 1-unit attached7.5%
  • 2-9 units4.9%
  • 10+ units0.2%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$959,100
Median rent$1,992
Owner-occupied71.1%
Vacant4.1%
Price-to-income8.9x
Est. income to buy$264,000