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Turlock city, CA

ZIP 95382 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95382

Median Home Value
$483,100
Median Rent
$1,544
Affordability Snapshot
$133,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,103/mo PITI).

20%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

26.1 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 95382 in Turlock city, CA, a household would need roughly $133,000 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 $3,103. That is about 42% above the local median household income ($93,592), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.2%-3% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
27.3%-45% vs US avg
x
Mortgage-Free
28.7%-25% vs US avg
x
$483,100
Home Value
$1,544
Rent
1990
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 detached72.8%
  • 1-unit attached2.9%
  • 2-9 units9.8%
  • 10+ units13.1%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$483,100
Median rent$1,544
Owner-occupied63.2%
Vacant2.6%
Price-to-income5.2x
Est. income to buy$133,000