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Mendocino CDP, CA

ZIP 95460 — 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 95460

Median Home Value
$666,200
Median Rent
$1,646
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,279/mo PITI).

29%
Rent-to-Income Ratio

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

9.7x
Home Price-to-Income Ratio

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

33.7 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 95460 in Mendocino CDP, CA, a household would need roughly $183,000 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 $4,279. That is about 167% above the local median household income ($68,478), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
24.2%+135% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
0.2%-99% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.8%-28% vs US avg
x
Mortgage-Free
59.4%+56% vs US avg
x
$666,200
Home Value
$1,646
Rent
1982
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 detached89.2%
  • 1-unit attached7.9%
  • 2-9 units3.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$666,200
Median rent$1,646
Owner-occupied76.8%
Vacant24.2%
Price-to-income9.7x
Est. income to buy$183,000