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ZIP 95617 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95617

Median Home Value
$715,019
Median Rent
$1,914
Affordability Snapshot
$197,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,593/mo PITI).

33%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

10.1x
Home Price-to-Income Ratio

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

31.1 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 95617, a household would need roughly $197,000 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 $4,593. That is about 180% above the local median household income ($70,467), 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
39.8%-39% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
38.0%-24% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$715,019
Home Value
$1,914
Rent
1982
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached39.4%
  • 1-unit attached6.1%
  • 2-9 units28.1%
  • 10+ units18.9%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$715,019
Median rent$1,914
Owner-occupied39.8%
Vacant6.1%
Price-to-income10.1x
Est. income to buy$197,000