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ZIP 96099 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96099

Median Home Value
$231,200
Median Rent
$837
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,485/mo PITI).

38%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.7x
Home Price-to-Income Ratio

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

23.0 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 96099, a household would need roughly $64,000 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 $1,485. That is about 142% above the local median household income ($26,471), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
22.8%-65% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
4.2%-40% vs US avg
x
Rent Burden >30%
39.9%-20% vs US avg
x
Mortgage-Free
27.4%-28% vs US avg
x
$231,200
Home Value
$837
Rent
1970
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached22.0%
  • 1-unit attached1.7%
  • 2-9 units48.4%
  • 10+ units21.3%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,200
Median rent$837
Owner-occupied22.8%
Vacant16.8%
Price-to-income8.7x
Est. income to buy$64,000