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, CA

ZIP 95549 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95549

Median Home Value
$661,200
Median Rent
$1,912
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,247/mo PITI).

26%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

28.8 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 95549 in CA, a household would need roughly $182,000 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 $4,247. That is about 103% above the local median household income ($89,583), 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
76.2%+17% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
36.0%-27% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$661,200
Home Value
$1,912
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached88.5%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other11.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$661,200
Median rent$1,912
Owner-occupied76.2%
Vacant7.4%
Price-to-income7.4x
Est. income to buy$182,000