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Granite Bay CDP, CA

ZIP 95746 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95746

Median Home Value
$1,057,600
Median Rent
$2,153
Affordability Snapshot
$291,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,794/mo PITI).

14%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

40.9 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 95746 in Granite Bay CDP, CA, a household would need roughly $291,000 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 $6,794. That is about 60% above the local median household income ($182,321), 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
89.0%+36% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
96.1%+10% vs US avg
x
4+ Bedrooms
19.4%+31% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
33.0%-13% vs US avg
x
$1,057,600
Home Value
$2,153
Rent
1990
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 detached92.0%
  • 1-unit attached2.7%
  • 2-9 units0.2%
  • 10+ units0.6%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,057,600
Median rent$2,153
Owner-occupied89.0%
Vacant5.0%
Price-to-income5.8x
Est. income to buy$291,000