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Oakdale city, CA

ZIP 95361 — 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 95361

Median Home Value
$479,900
Median Rent
$1,223
Affordability Snapshot
$132,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,083/mo PITI).

16%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

32.7 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 95361 in Oakdale city, CA, a household would need roughly $132,000 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 $3,083. That is about 44% above the local median household income ($91,381), 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
68.5%+5% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$479,900
Home Value
$1,223
Rent
1986
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 detached76.9%
  • 1-unit attached2.3%
  • 2-9 units5.7%
  • 10+ units6.5%
  • Mobile home & other8.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$479,900
Median rent$1,223
Owner-occupied68.5%
Vacant4.8%
Price-to-income5.3x
Est. income to buy$132,000