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Sutter Creek city, CA

ZIP 95685 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95685

Median Home Value
$546,800
Median Rent
$1,124
Affordability Snapshot
$151,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,512/mo PITI).

21%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

40.5 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 95685 in Sutter Creek city, CA, a household would need roughly $151,000 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 $3,512. That is about 134% above the local median household income ($64,506), 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
67.2%+3% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
45.7%+20% vs US avg
x
$546,800
Home Value
$1,124
Rent
1977
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached80.2%
  • 1-unit attached3.8%
  • 2-9 units5.1%
  • 10+ units9.3%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$546,800
Median rent$1,124
Owner-occupied67.2%
Vacant11.0%
Price-to-income8.5x
Est. income to buy$151,000