ZIP Code 95860 — undefined, undefined Demographics & Data

ZIP code 95860 covers ZIP 95860 with a population of about 5,527.

At a glance, the area shows median age of 38.5 (near the U.S. median).

It sits in the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95860 is about $57,044 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.1%; unemployment rate near 8.6%; 23.3% of adults with a bachelor’s degree or higher (about 10.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Retail trade; about 29.9% of workers reporting work-from-home (about 14.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $449,000 — about 29% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,326 (about 14% above the U.S. median rent ($1,163)), and owner-occupancy near 49.5% (about 15.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95860, a household would need roughly $124,000 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 $2,884. That is about 117% above the local median household income ($57,044), 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.