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El Portal CDP, CA

ZIP 95318 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95318

Median Home Value
$298,100
Median Rent
$708
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,915/mo PITI).

16%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

35.1 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 95318 in El Portal CDP, CA, a household would need roughly $82,000 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 $1,915. That is about 51% above the local median household income ($54,430), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.5%-6% vs US avg
x
Vacancy Rate
17.9%+73% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
19.9%+55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
58.1%+52% vs US avg
x
$298,100
Home Value
$708
Rent
1965
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached55.9%
  • 1-unit attached0.0%
  • 2-9 units25.0%
  • 10+ units3.3%
  • Mobile home & other15.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,100
Median rent$708
Owner-occupied61.5%
Vacant17.9%
Price-to-income5.5x
Est. income to buy$82,000