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Anchor Bay CDP, CA

ZIP 95445 — 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 95445

Median Home Value
$664,700
Median Rent
$1,594
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,270/mo PITI).

20%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

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

34.8 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 95445 in Anchor Bay CDP, CA, a household would need roughly $183,000 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 $4,270. That is about 96% above the local median household income ($93,365), 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 35% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.9%+2% vs US avg
x
Vacancy Rate
34.8%+238% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.3%-75% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$664,700
Home Value
$1,594
Rent
1979
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 detached93.2%
  • 1-unit attached0.0%
  • 2-9 units1.5%
  • 10+ units1.2%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$664,700
Median rent$1,594
Owner-occupied66.9%
Vacant34.8%
Price-to-income7.1x
Est. income to buy$183,000