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Hidden Valley Lake CDP, CA

ZIP 95461 — 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 95461

Median Home Value
$385,000
Median Rent
$1,866
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,473/mo PITI).

27%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.2 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 95461 in Hidden Valley Lake CDP, CA, a household would need roughly $106,000 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 $2,473. That is about 30% above the local median household income ($81,830), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.3%+9% vs US avg
x
Vacancy Rate
19.9%+93% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
0.4%-98% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
6.9%+0% vs US avg
x
Rent Burden >30%
4.5%-91% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$385,000
Home Value
$1,866
Rent
1984
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.2%
  • 1-unit attached14.2%
  • 2-9 units5.0%
  • 10+ units0.1%
  • Mobile home & other20.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$385,000
Median rent$1,866
Owner-occupied71.3%
Vacant19.9%
Price-to-income4.7x
Est. income to buy$106,000