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Rail Road Flat CDP, CA

ZIP 95245 — 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 95245

Median Home Value
$424,700
Median Rent
$1,094
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,728/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

32.4 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 95245 in Rail Road Flat CDP, CA, a household would need roughly $117,000 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 $2,728. That is about 37% above the local median household income ($85,387), 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
83.9%+28% vs US avg
x
Vacancy Rate
8.9%-13% vs US avg
x
Broadband Access
67.3%-23% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
3.0%-56% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
37.8%-1% vs US avg
x
$424,700
Home Value
$1,094
Rent
1987
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 detached88.2%
  • 1-unit attached2.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$424,700
Median rent$1,094
Owner-occupied83.9%
Vacant8.9%
Price-to-income5.0x
Est. income to buy$117,000