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Rancho Calaveras CDP, CA

ZIP 95252 — 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 95252

Median Home Value
$444,200
Median Rent
$1,407
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,853/mo PITI).

20%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

26.3 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 95252 in Rancho Calaveras CDP, CA, a household would need roughly $122,000 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 $2,853. That is about 43% above the local median household income ($85,189), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.9%+41% vs US avg
x
Vacancy Rate
11.1%+7% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$444,200
Home Value
$1,407
Rent
1995
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 detached88.5%
  • 1-unit attached0.5%
  • 2-9 units2.0%
  • 10+ units0.7%
  • Mobile home & other8.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$444,200
Median rent$1,407
Owner-occupied91.9%
Vacant11.1%
Price-to-income5.2x
Est. income to buy$122,000