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Boulder Creek CDP, CA

ZIP 95006 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95006

Median Home Value
$779,300
Median Rent
$1,841
Affordability Snapshot
$215,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,006/mo PITI).

17%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

35.3 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 95006 in Boulder Creek CDP, CA, a household would need roughly $215,000 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 $5,006. That is about 67% above the local median household income ($128,483), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
10.3%-19% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
29.2%-41% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$779,300
Home Value
$1,841
Rent
1963
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached90.9%
  • 1-unit attached5.1%
  • 2-9 units1.1%
  • 10+ units0.4%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$779,300
Median rent$1,841
Owner-occupied76.6%
Vacant13.8%
Price-to-income6.1x
Est. income to buy$215,000