US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95307
  5. Housing & Real Estate
Ceres city, CA

ZIP 95307 — 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 95307

Median Home Value
$402,300
Median Rent
$1,209
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,584/mo PITI).

19%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

27.7 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 95307 in Ceres city, CA, a household would need roughly $111,000 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 $2,584. That is about 44% above the local median household income ($77,101), 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
65.1%-0% vs US avg
x
Vacancy Rate
2.8%-73% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
25.2%-49% vs US avg
x
Mortgage-Free
40.7%+7% vs US avg
x
$402,300
Home Value
$1,209
Rent
1982
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.9%
  • 1-unit attached4.5%
  • 2-9 units5.8%
  • 10+ units6.7%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$402,300
Median rent$1,209
Owner-occupied65.1%
Vacant2.8%
Price-to-income5.2x
Est. income to buy$111,000