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Keyes CDP, CA

ZIP 95328 — 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 95328

Median Home Value
$435,100
Median Rent
$1,182
Affordability Snapshot
$120,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,795/mo PITI).

27%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

30.7 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 95328 in Keyes CDP, CA, a household would need roughly $120,000 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 $2,795. That is about 126% above the local median household income ($53,013), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.2%-26% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
16.5%+29% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.6%-49% vs US avg
x
Mortgage-Free
31.8%-17% vs US avg
x
$435,100
Home Value
$1,182
Rent
1994
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$435,100
Median rent$1,182
Owner-occupied48.2%
Vacant11.8%
Price-to-income8.2x
Est. income to buy$120,000