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Dutch Flat CDP, CA

ZIP 95714 — 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 95714

Median Home Value
$472,000
Median Rent
$988
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,032/mo PITI).

15%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

39.8 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 95714 in Dutch Flat CDP, 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 $3,032. That is about 64% above the local median household income ($79,375), 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 46% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
45.9%+345% vs US avg
x
Broadband Access
80.5%-7% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
13.5%+6% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.0%+1% vs US avg
x
Mortgage-Free
48.4%+27% vs US avg
x
$472,000
Home Value
$988
Rent
1971
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$472,000
Median rent$988
Owner-occupied76.8%
Vacant45.9%
Price-to-income5.9x
Est. income to buy$130,000