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Loleta CDP, CA

ZIP 95551 — 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 95551

Median Home Value
$469,800
Median Rent
$1,010
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,018/mo PITI).

16%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

38.8 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 95551 in Loleta CDP, CA, a household would need roughly $129,000 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 $3,018. That is about 76% above the local median household income ($73,472), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.3%-29% vs US avg
x
Vacancy Rate
12.5%+22% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
53.3%+40% vs US avg
x
$469,800
Home Value
$1,010
Rent
1955
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 detached78.0%
  • 1-unit attached8.9%
  • 2-9 units11.1%
  • 10+ units1.1%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$469,800
Median rent$1,010
Owner-occupied46.3%
Vacant12.5%
Price-to-income6.4x
Est. income to buy$129,000