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Hilmar-Irwin CDP, CA

ZIP 95324 — 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 95324

Median Home Value
$441,500
Median Rent
$1,303
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,836/mo PITI).

22%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

28.2 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 95324 in Hilmar-Irwin 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 $2,836. That is about 69% above the local median household income ($72,309), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.4%-23% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$441,500
Home Value
$1,303
Rent
1985
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached79.0%
  • 1-unit attached0.4%
  • 2-9 units4.5%
  • 10+ units0.0%
  • Mobile home & other16.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$441,500
Median rent$1,303
Owner-occupied50.4%
Vacant7.1%
Price-to-income6.1x
Est. income to buy$122,000