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ZIP 95378 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95378

Median Home Value
$541,800
Median Rent
$1,389
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,480/mo PITI).

22%
Rent-to-Income Ratio

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

7.1x
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 95378, a household would need roughly $149,000 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 $3,480. That is about 96% above the local median household income ($76,087), 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
47.6%-27% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.3%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$541,800
Home Value
$1,389
Rent
1968
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached69.3%
  • 1-unit attached5.7%
  • 2-9 units21.1%
  • 10+ units2.5%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$541,800
Median rent$1,389
Owner-occupied47.6%
Vacant9.6%
Price-to-income7.1x
Est. income to buy$149,000