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Merced city, CA

ZIP 95341 — 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 95341

Median Home Value
$295,300
Median Rent
$920
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,897/mo PITI).

20%
Rent-to-Income Ratio

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

5.3x
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 95341 in Merced city, CA, a household would need roughly $81,000 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 $1,897. That is about 46% above the local median household income ($55,516), 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
Owner Occupied
39.3%-40% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$295,300
Home Value
$920
Rent
1989
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 detached64.0%
  • 1-unit attached1.8%
  • 2-9 units24.9%
  • 10+ units3.3%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,300
Median rent$920
Owner-occupied39.3%
Vacant2.6%
Price-to-income5.3x
Est. income to buy$81,000