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ZIP 95992
Housing & Real Estate

ZIP 95992 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95992

Median Home Value

$243,600

Median Rent

$1,042

Affordability Snapshot

$67,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,565/mo PITI).

19%

Rent-to-Income Ratio

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

3.8x

Home Price-to-Income Ratio

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

19.5 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 95992, a household would need roughly $67,000 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 $1,565. That is roughly in line with the local median household income ($64,323). 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

27.1%-59% vs US avg

Vacancy Rate

3.1%-70% vs US avg

Broadband Access

74.8%-14% vs US avg

4+ Bedrooms

3.0%-79% vs US avg

Built Pre-1939

11.2%-13% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

15.7%-68% vs US avg

Mortgage-Free

26.6%-30% vs US avg

$243,600

Home Value

$1,042

Rent

1959

Year Built

2017

Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

1-unit detached50.7%
1-unit attached3.0%
2-9 units31.9%
10+ units12.0%
Mobile home & other2.4%

ZIP 95992 — Housing & Real Estate

Housing & Real Estate in ZIP Code 95992

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