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ZIP 95061 — Housing & Real Estate

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

Working ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95061

Median Home Value
$722,100
Median Rent
$1,474
Affordability Snapshot
$199,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,639/mo PITI).

35%
Rent-to-Income Ratio

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

14.5x
Home Price-to-Income Ratio

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

40.8 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 95061, a household would need roughly $199,000 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 $4,639. That is about 299% above the local median household income ($49,875), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
40.3%-38% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
27.2%-45% vs US avg
x
Mortgage-Free
43.6%+14% vs US avg
x
$722,100
Home Value
$1,474
Rent
1977
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached23.3%
  • 1-unit attached4.2%
  • 2-9 units14.0%
  • 10+ units50.8%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$722,100
Median rent$1,474
Owner-occupied40.3%
Vacant6.5%
Price-to-income14.5x
Est. income to buy$199,000