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ZIP 95502 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95502

Median Home Value
$361,623
Median Rent
$959
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,323/mo PITI).

27%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

31.4 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 95502, a household would need roughly $100,000 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 $2,323. That is about 135% above the local median household income ($42,581), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
24.3%-63% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
39.0%-22% vs US avg
x
Mortgage-Free
21.0%-45% vs US avg
x
$361,623
Home Value
$959
Rent
1942
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached44.8%
  • 1-unit attached3.6%
  • 2-9 units39.9%
  • 10+ units9.6%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$361,623
Median rent$959
Owner-occupied24.3%
Vacant10.6%
Price-to-income8.5x
Est. income to buy$100,000