US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95540
  5. Housing & Real Estate
Fortuna city, CA

ZIP 95540 — 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 95540

Median Home Value
$362,400
Median Rent
$950
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,328/mo PITI).

18%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

31.8 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 95540 in Fortuna city, CA, 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 $2,328. That is about 60% above the local median household income ($62,346), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.5%-10% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
89.6%+3% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$362,400
Home Value
$950
Rent
1976
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached69.6%
  • 1-unit attached5.9%
  • 2-9 units15.6%
  • 10+ units1.9%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$362,400
Median rent$950
Owner-occupied58.5%
Vacant6.4%
Price-to-income5.8x
Est. income to buy$100,000