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Rancho Murieta CDP, CA

ZIP 95683 — 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 95683

Median Home Value
$666,200
Median Rent
$2,472
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,279/mo PITI).

23%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

22.5 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 95683 in Rancho Murieta CDP, CA, a household would need roughly $183,000 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 $4,279. That is about 40% above the local median household income ($130,439), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
93.1%+42% vs US avg
x
Vacancy Rate
0.5%-96% vs US avg
x
Broadband Access
99.0%+14% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
24.7%-35% vs US avg
x
$666,200
Home Value
$2,472
Rent
1992
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 detached83.2%
  • 1-unit attached7.6%
  • 2-9 units0.0%
  • 10+ units4.8%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$666,200
Median rent$2,472
Owner-occupied93.1%
Vacant0.5%
Price-to-income5.1x
Est. income to buy$183,000