US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95012
  5. Housing & Real Estate
Elkhorn CDP, CA

ZIP 95012 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95012

Median Home Value
$629,600
Median Rent
$1,429
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,044/mo PITI).

21%
Rent-to-Income Ratio

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

7.9x
Home Price-to-Income Ratio

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

36.7 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 95012 in Elkhorn CDP, CA, a household would need roughly $173,000 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 $4,044. That is about 117% above the local median household income ($79,903), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
45.6%-30% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$629,600
Home Value
$1,429
Rent
1976
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached53.8%
  • 1-unit attached7.9%
  • 2-9 units13.8%
  • 10+ units11.6%
  • Mobile home & other12.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$629,600
Median rent$1,429
Owner-occupied45.6%
Vacant6.5%
Price-to-income7.9x
Est. income to buy$173,000