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Shelter Cove CDP, CA

ZIP 95589 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95589

Median Home Value
$439,000
Median Rent
$1,003
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,820/mo PITI).

27%
Rent-to-Income Ratio

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

9.7x
Home Price-to-Income Ratio

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

36.5 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 95589 in Shelter Cove CDP, CA, a household would need roughly $121,000 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 $2,820. That is about 168% above the local median household income ($45,074), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.1%+21% vs US avg
x
Vacancy Rate
44.3%+330% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
49.6%-0% vs US avg
x
Mortgage-Free
47.2%+23% vs US avg
x
$439,000
Home Value
$1,003
Rent
1985
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 detached89.6%
  • 1-unit attached0.3%
  • 2-9 units2.8%
  • 10+ units0.0%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$439,000
Median rent$1,003
Owner-occupied79.1%
Vacant44.3%
Price-to-income9.7x
Est. income to buy$121,000