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Kirkwood CDP, CA

ZIP 95646 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95646

Median Home Value
$568,200
Median Rent
N/A
Affordability Snapshot
$156,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,650/mo PITI).

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 95646 in Kirkwood CDP, CA, a household would need roughly $156,000 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 $3,650. That is roughly in line with the local median household income ($145,341). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 83% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
83.3%+709% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
8.5%-78% vs US avg
x
$568,200
Home Value
N/A
Rent
1990
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached45.7%
  • 1-unit attached10.0%
  • 2-9 units9.4%
  • 10+ units31.2%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$568,200
Median rent$-666,666,666
Owner-occupied81.7%
Vacant83.3%
Price-to-income3.9x
Est. income to buy$156,000