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Empire CDP, CA

ZIP 95319 — 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 95319

Median Home Value
$328,800
Median Rent
$1,056
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,112/mo PITI).

28%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

25.9 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 95319 in Empire CDP, CA, a household would need roughly $91,000 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 $2,112. That is about 103% above the local median household income ($44,904), 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

Historic housing stock (22% built before 1939)

Owner Occupied
44.6%-32% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
21.7%+70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$328,800
Home Value
$1,056
Rent
1957
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached77.3%
  • 1-unit attached0.0%
  • 2-9 units7.8%
  • 10+ units0.0%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$328,800
Median rent$1,056
Owner-occupied44.6%
Vacant4.1%
Price-to-income7.3x
Est. income to buy$91,000