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Phoenix Lake CDP, CA

ZIP 95370 — 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 95370

Median Home Value
$416,200
Median Rent
$1,088
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,674/mo PITI).

18%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

31.9 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 95370 in Phoenix Lake CDP, CA, a household would need roughly $115,000 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 $2,674. That is about 59% above the local median household income ($72,433), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
11.9%+15% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
29.2%-41% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$416,200
Home Value
$1,088
Rent
1979
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 detached75.1%
  • 1-unit attached2.4%
  • 2-9 units8.6%
  • 10+ units4.7%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$416,200
Median rent$1,088
Owner-occupied70.8%
Vacant11.9%
Price-to-income5.7x
Est. income to buy$115,000