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Loma Rica CDP, CA

ZIP 95901 — 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 95901

Median Home Value
$351,300
Median Rent
$956
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,257/mo PITI).

17%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

30.6 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 95901 in Loma Rica CDP, CA, a household would need roughly $97,000 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 $2,257. That is about 42% above the local median household income ($68,109), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
55.1%-16% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$351,300
Home Value
$956
Rent
1978
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached60.2%
  • 1-unit attached4.5%
  • 2-9 units13.5%
  • 10+ units15.2%
  • Mobile home & other6.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$351,300
Median rent$956
Owner-occupied55.1%
Vacant5.8%
Price-to-income5.2x
Est. income to buy$97,000