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San Juan Bautista city, CA

ZIP 95045 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95045

Median Home Value
$835,500
Median Rent
$1,863
Affordability Snapshot
$230,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,367/mo PITI).

21%
Rent-to-Income Ratio

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

7.9x
Home Price-to-Income Ratio

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

37.4 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 95045 in San Juan Bautista city, CA, a household would need roughly $230,000 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 $5,367. That is about 116% above the local median household income ($106,377), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
44.9%+17% vs US avg
x
$835,500
Home Value
$1,863
Rent
1983
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 detached77.8%
  • 1-unit attached8.7%
  • 2-9 units5.4%
  • 10+ units3.5%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$835,500
Median rent$1,863
Owner-occupied66.8%
Vacant4.9%
Price-to-income7.9x
Est. income to buy$230,000