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Mountain Ranch CDP, CA

ZIP 95246 — 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 95246

Median Home Value
$409,400
Median Rent
$1,075
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,630/mo PITI).

13%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

31.7 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 95246 in Mountain Ranch CDP, CA, a household would need roughly $113,000 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 $2,630. That is about 18% above the local median household income ($95,667), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.4%+35% vs US avg
x
Vacancy Rate
22.5%+119% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
6.1%-11% vs US avg
x
Rent Burden >30%
12.7%-74% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$409,400
Home Value
$1,075
Rent
1992
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 detached91.0%
  • 1-unit attached4.1%
  • 2-9 units0.0%
  • 10+ units1.1%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$409,400
Median rent$1,075
Owner-occupied88.4%
Vacant22.5%
Price-to-income4.3x
Est. income to buy$113,000