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Cazadero CDP, CA

ZIP 95421 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95421

Median Home Value
$642,700
Median Rent
$1,365
Affordability Snapshot
$177,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,129/mo PITI).

21%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

39.2 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 95421 in Cazadero CDP, CA, a household would need roughly $177,000 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 $4,129. That is about 130% above the local median household income ($76,905), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
44.4%+331% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
6.7%-47% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
37.2%-25% vs US avg
x
Mortgage-Free
47.1%+23% vs US avg
x
$642,700
Home Value
$1,365
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached93.3%
  • 1-unit attached0.9%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$642,700
Median rent$1,365
Owner-occupied79.7%
Vacant44.4%
Price-to-income8.4x
Est. income to buy$177,000