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Sutter CDP, CA

ZIP 95982 — 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 95982

Median Home Value
$376,100
Median Rent
$1,096
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,416/mo PITI).

14%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.6 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 95982 in Sutter CDP, CA, a household would need roughly $104,000 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 $2,416. That is roughly in line with the local median household income ($96,786). 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
78.9%+21% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
99.2%+14% vs US avg
x
4+ Bedrooms
0.5%-96% vs US avg
x
Built Pre-1939
10.3%-20% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.1%-74% vs US avg
x
Mortgage-Free
30.8%-19% vs US avg
x
$376,100
Home Value
$1,096
Rent
1974
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached93.1%
  • 1-unit attached0.0%
  • 2-9 units3.6%
  • 10+ units0.0%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$376,100
Median rent$1,096
Owner-occupied78.9%
Vacant2.6%
Price-to-income3.9x
Est. income to buy$104,000