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Timber Cove CDP, CA

ZIP 95450 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95450

Median Home Value
$797,600
Median Rent
$1,458
Affordability Snapshot
$220,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,124/mo PITI).

23%
Rent-to-Income Ratio

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

10.3x
Home Price-to-Income Ratio

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

45.6 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 95450 in Timber Cove CDP, CA, a household would need roughly $220,000 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 $5,124. That is about 185% above the local median household income ($77,083), 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 67% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
66.7%+547% vs US avg
x
Broadband Access
84.8%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
64.9%+70% vs US avg
x
$797,600
Home Value
$1,458
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached92.3%
  • 1-unit attached0.7%
  • 2-9 units3.0%
  • 10+ units0.0%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$797,600
Median rent$1,458
Owner-occupied74.8%
Vacant66.7%
Price-to-income10.3x
Est. income to buy$220,000