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ZIP 95344 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95344

Median Home Value
$281,300
Median Rent
$818
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,807/mo PITI).

24%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

28.7 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 95344, a household would need roughly $77,000 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 $1,807. That is about 87% above the local median household income ($41,114), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
22.5%-66% vs US avg
x
Vacancy Rate
11.2%+8% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
17.0%+33% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
38.7%-22% vs US avg
x
Mortgage-Free
37.4%-2% vs US avg
x
$281,300
Home Value
$818
Rent
1946
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached49.2%
  • 1-unit attached2.4%
  • 2-9 units36.7%
  • 10+ units11.3%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,300
Median rent$818
Owner-occupied22.5%
Vacant11.2%
Price-to-income6.8x
Est. income to buy$77,000