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Rough and Ready CDP, CA

ZIP 95975 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95975

Median Home Value
$582,100
Median Rent
$1,115
Affordability Snapshot
$160,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,739/mo PITI).

18%
Rent-to-Income Ratio

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

7.8x
Home Price-to-Income Ratio

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

43.5 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 95975 in Rough and Ready CDP, CA, a household would need roughly $160,000 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 $3,739. That is about 113% above the local median household income ($74,954), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
18.5%+79% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.6%-85% vs US avg
x
Mortgage-Free
27.0%-29% vs US avg
x
$582,100
Home Value
$1,115
Rent
1978
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached77.8%
  • 1-unit attached4.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$582,100
Median rent$1,115
Owner-occupied83.8%
Vacant18.5%
Price-to-income7.8x
Est. income to buy$160,000