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Loma Rica CDP, CA

ZIP 95918 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95918

Median Home Value
$572,600
Median Rent
N/A
Affordability Snapshot
$158,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,678/mo PITI).

10.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 95918 in Loma Rica CDP, CA, a household would need roughly $158,000 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 $3,678. That is about 183% above the local median household income ($55,795), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
90.1%+38% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.1%-16% vs US avg
x
$572,600
Home Value
N/A
Rent
1995
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached87.1%
  • 1-unit attached1.8%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other11.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$572,600
Median rent$-666,666,666
Owner-occupied90.1%
Vacant6.9%
Price-to-income10.3x
Est. income to buy$158,000