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Live Oak CDP, CA

ZIP 95065 — 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 95065

Median Home Value
$1,192,200
Median Rent
$2,304
Affordability Snapshot
$328,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,658/mo PITI).

19%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

43.1 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 95065 in Live Oak CDP, CA, a household would need roughly $328,000 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 $7,658. That is about 130% above the local median household income ($142,768), 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
69.9%+7% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$1,192,200
Home Value
$2,304
Rent
1977
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached79.6%
  • 1-unit attached7.8%
  • 2-9 units3.5%
  • 10+ units8.8%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,192,200
Median rent$2,304
Owner-occupied69.9%
Vacant4.5%
Price-to-income8.4x
Est. income to buy$328,000