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ZIP 95381 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95381

Median Home Value
$401,700
Median Rent
$990
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,580/mo PITI).

19%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

33.8 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 95381, a household would need roughly $111,000 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 $2,580. That is about 74% above the local median household income ($63,690), 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
52.2%-20% vs US avg
x
Vacancy Rate
1.2%-88% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.8%-74% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$401,700
Home Value
$990
Rent
1954
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 detached71.3%
  • 1-unit attached8.6%
  • 2-9 units11.8%
  • 10+ units8.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$401,700
Median rent$990
Owner-occupied52.2%
Vacant1.2%
Price-to-income6.3x
Est. income to buy$111,000