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Waterloo CDP, CA

ZIP 95215 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95215

Median Home Value
$378,900
Median Rent
$1,003
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,434/mo PITI).

18%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

31.5 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 95215 in Waterloo CDP, CA, a household would need roughly $104,000 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 $2,434. That is about 53% above the local median household income ($68,189), 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
61.0%-7% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
80.1%-8% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
8.9%-31% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$378,900
Home Value
$1,003
Rent
1965
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 detached83.2%
  • 1-unit attached1.5%
  • 2-9 units2.7%
  • 10+ units0.0%
  • Mobile home & other12.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$378,900
Median rent$1,003
Owner-occupied61.0%
Vacant8.5%
Price-to-income5.6x
Est. income to buy$104,000