US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95019
  5. Housing & Real Estate
Watsonville city, CA

ZIP 95019 — 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 95019

Median Home Value
$678,200
Median Rent
$1,337
Affordability Snapshot
$187,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,357/mo PITI).

23%
Rent-to-Income Ratio

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

9.9x
Home Price-to-Income Ratio

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

42.3 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 95019 in Watsonville city, CA, a household would need roughly $187,000 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 $4,357. That is about 174% above the local median household income ($68,314), 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
31.6%-52% vs US avg
x
Vacancy Rate
1.4%-87% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$678,200
Home Value
$1,337
Rent
1977
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 detached38.7%
  • 1-unit attached7.4%
  • 2-9 units24.5%
  • 10+ units24.1%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$678,200
Median rent$1,337
Owner-occupied31.6%
Vacant1.4%
Price-to-income9.9x
Est. income to buy$187,000