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Eureka city, CA

ZIP 95501 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95501

Median Home Value
$389,900
Median Rent
$993
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,505/mo PITI).

22%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

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

32.7 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 95501 in Eureka city, CA, a household would need roughly $107,000 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 $2,505. That is about 94% above the local median household income ($55,076), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
42.2%-35% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
35.6%-28% vs US avg
x
Mortgage-Free
35.0%-9% vs US avg
x
$389,900
Home Value
$993
Rent
1955
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached57.5%
  • 1-unit attached6.1%
  • 2-9 units27.9%
  • 10+ units7.0%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$389,900
Median rent$993
Owner-occupied42.2%
Vacant10.2%
Price-to-income7.1x
Est. income to buy$107,000