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ZIP 95229 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95229

Median Home Value
$495,300
Median Rent
$1,333
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,182/mo PITI).

23%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

31.0 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 95229, a household would need roughly $136,000 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 $3,182. That is about 99% above the local median household income ($68,431), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.9%+15% vs US avg
x
Vacancy Rate
27.2%+164% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.9%-68% vs US avg
x
Mortgage-Free
53.2%+39% vs US avg
x
$495,300
Home Value
$1,333
Rent
1983
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached75.9%
  • 1-unit attached1.8%
  • 2-9 units3.5%
  • 10+ units1.0%
  • Mobile home & other17.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$495,300
Median rent$1,333
Owner-occupied74.9%
Vacant27.2%
Price-to-income7.2x
Est. income to buy$136,000