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Escalon city, CA

ZIP 95320 — 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 95320

Median Home Value
$490,100
Median Rent
$1,255
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,148/mo PITI).

17%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

32.5 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 95320 in Escalon city, CA, a household would need roughly $135,000 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 $3,148. That is about 56% above the local median household income ($86,612), 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
73.9%+13% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.9%-74% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$490,100
Home Value
$1,255
Rent
1985
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 detached88.9%
  • 1-unit attached1.7%
  • 2-9 units2.4%
  • 10+ units1.7%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$490,100
Median rent$1,255
Owner-occupied73.9%
Vacant9.3%
Price-to-income5.7x
Est. income to buy$135,000