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Elverta CDP, CA

ZIP 95626 — 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 95626

Median Home Value
$467,900
Median Rent
$1,269
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,006/mo PITI).

16%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

30.7 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 95626 in Elverta 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 $3,006. That is about 39% above the local median household income ($92,708), 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
80.6%+23% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$467,900
Home Value
$1,269
Rent
1981
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 detached95.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$467,900
Median rent$1,269
Owner-occupied80.6%
Vacant6.5%
Price-to-income5.0x
Est. income to buy$129,000