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Lathrop city, CA

ZIP 95330 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95330

Median Home Value
$605,100
Median Rent
$1,889
Affordability Snapshot
$167,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,887/mo PITI).

19%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

26.7 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 95330 in Lathrop city, CA, a household would need roughly $167,000 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 $3,887. That is about 41% above the local median household income ($118,461), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.6%+28% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
14.0%-5% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
9.4%+36% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
21.6%-44% vs US avg
x
$605,100
Home Value
$1,889
Rent
2005
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached91.8%
  • 1-unit attached2.8%
  • 2-9 units2.1%
  • 10+ units0.2%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$605,100
Median rent$1,889
Owner-occupied83.6%
Vacant3.6%
Price-to-income5.1x
Est. income to buy$167,000