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Occidental CDP, CA

ZIP 95472 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95472

Median Home Value
$995,200
Median Rent
$1,784
Affordability Snapshot
$274,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,393/mo PITI).

20%
Rent-to-Income Ratio

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

9.1x
Home Price-to-Income Ratio

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

46.5 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 95472 in Occidental CDP, CA, a household would need roughly $274,000 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 $6,393. That is about 150% above the local median household income ($109,775), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.0%+10% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
5.6%-57% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
36.6%-4% vs US avg
x
$995,200
Home Value
$1,784
Rent
1972
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached82.3%
  • 1-unit attached4.1%
  • 2-9 units6.5%
  • 10+ units3.2%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$995,200
Median rent$1,784
Owner-occupied72.0%
Vacant7.8%
Price-to-income9.1x
Est. income to buy$274,000