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Mount Hermon CDP, CA

ZIP 95041 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95041

Median Home Value
$1,060,200
Median Rent
$1,360
Affordability Snapshot
$292,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,810/mo PITI).

10%
Rent-to-Income Ratio

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

6.6x
Home Price-to-Income Ratio

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

65.0 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 95041 in Mount Hermon CDP, CA, a household would need roughly $292,000 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 $6,810. That is about 81% above the local median household income ($161,034), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.8%-15% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
38.8%+2% vs US avg
x
$1,060,200
Home Value
$1,360
Rent
1957
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 detached76.2%
  • 1-unit attached2.6%
  • 2-9 units21.2%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,060,200
Median rent$1,360
Owner-occupied55.8%
Vacant11.8%
Price-to-income6.6x
Est. income to buy$292,000