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Jackson city, CA

ZIP 95642 — 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 95642

Median Home Value
$470,700
Median Rent
$1,117
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,024/mo PITI).

16%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

35.1 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 95642 in Jackson city, CA, a household would need roughly $130,000 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 $3,024. That is about 53% above the local median household income ($85,000), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.7%+5% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
50.0%+31% vs US avg
x
$470,700
Home Value
$1,117
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached65.1%
  • 1-unit attached5.1%
  • 2-9 units11.3%
  • 10+ units9.3%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$470,700
Median rent$1,117
Owner-occupied68.7%
Vacant11.0%
Price-to-income5.5x
Est. income to buy$130,000