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Arden-Arcade CDP, CA

ZIP 95864 — 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 95864

Median Home Value
$770,200
Median Rent
$1,642
Affordability Snapshot
$212,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,948/mo PITI).

15%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

39.1 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 95864 in Arden-Arcade CDP, CA, a household would need roughly $212,000 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 $4,948. That is about 64% above the local median household income ($129,083), 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
75.4%+15% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
25.2%-49% vs US avg
x
Mortgage-Free
33.7%-12% vs US avg
x
$770,200
Home Value
$1,642
Rent
1959
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 detached84.9%
  • 1-unit attached3.3%
  • 2-9 units5.5%
  • 10+ units5.9%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$770,200
Median rent$1,642
Owner-occupied75.4%
Vacant4.0%
Price-to-income6.0x
Est. income to buy$212,000