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Brooktrails CDP, CA

ZIP 95490 — 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 95490

Median Home Value
$383,900
Median Rent
$1,102
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,466/mo PITI).

20%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

29.0 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 95490 in Brooktrails CDP, CA, a household would need roughly $106,000 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 $2,466. That is about 58% above the local median household income ($67,069), 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
62.8%-4% vs US avg
x
Vacancy Rate
8.2%-20% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
37.7%-1% vs US avg
x
$383,900
Home Value
$1,102
Rent
1978
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 detached67.4%
  • 1-unit attached3.1%
  • 2-9 units14.0%
  • 10+ units5.0%
  • Mobile home & other10.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$383,900
Median rent$1,102
Owner-occupied62.8%
Vacant8.2%
Price-to-income5.7x
Est. income to buy$106,000