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Ripon city, CA

ZIP 95366 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95366

Median Home Value
$672,900
Median Rent
$1,497
Affordability Snapshot
$185,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,323/mo PITI).

17%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

37.5 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 95366 in Ripon city, CA, a household would need roughly $185,000 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 $4,323. That is about 76% above the local median household income ($104,952), 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
67.1%+3% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$672,900
Home Value
$1,497
Rent
1991
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 detached82.9%
  • 1-unit attached2.6%
  • 2-9 units8.8%
  • 10+ units4.7%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$672,900
Median rent$1,497
Owner-occupied67.1%
Vacant3.8%
Price-to-income6.4x
Est. income to buy$185,000