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Spring Valley CDP, CA

ZIP 95423 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95423

Median Home Value
$285,300
Median Rent
$1,147
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,833/mo PITI).

32%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

6.6x
Home Price-to-Income Ratio

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

20.7 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 95423 in Spring Valley CDP, CA, a household would need roughly $79,000 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 $1,833. That is about 83% above the local median household income ($43,170), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
33.9%+229% vs US avg
x
Broadband Access
77.5%-11% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
32.5%-35% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$285,300
Home Value
$1,147
Rent
1980
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 detached71.2%
  • 1-unit attached1.3%
  • 2-9 units4.2%
  • 10+ units2.6%
  • Mobile home & other20.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$285,300
Median rent$1,147
Owner-occupied69.2%
Vacant33.9%
Price-to-income6.6x
Est. income to buy$79,000