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Copperopolis CDP, CA

ZIP 95228 — 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 95228

Median Home Value
$453,400
Median Rent
$1,458
Affordability Snapshot
$125,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,913/mo PITI).

16%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.9 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 95228 in Copperopolis CDP, CA, a household would need roughly $125,000 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 $2,913. That is about 16% above the local median household income ($107,857), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
29.6%+188% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
27.5%-28% vs US avg
x
$453,400
Home Value
$1,458
Rent
1998
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 attached7.3%
  • 2-9 units6.3%
  • 10+ units0.0%
  • Mobile home & other8.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$453,400
Median rent$1,458
Owner-occupied82.0%
Vacant29.6%
Price-to-income4.2x
Est. income to buy$125,000