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Santa Nella CDP, CA

ZIP 95322 — 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 95322

Median Home Value
$433,400
Median Rent
$1,039
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,784/mo PITI).

19%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

34.8 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 95322 in Santa Nella CDP, CA, a household would need roughly $119,000 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 $2,784. That is about 86% above the local median household income ($64,104), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.5%-18% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
23.9%-37% vs US avg
x
$433,400
Home Value
$1,039
Rent
1983
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached74.4%
  • 1-unit attached2.5%
  • 2-9 units6.5%
  • 10+ units1.5%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$433,400
Median rent$1,039
Owner-occupied53.5%
Vacant15.1%
Price-to-income6.8x
Est. income to buy$119,000