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Windsor town, CA

ZIP 95492 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95492

Median Home Value
$777,700
Median Rent
$1,906
Affordability Snapshot
$214,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,996/mo PITI).

17%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

34.0 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 95492 in Windsor town, CA, a household would need roughly $214,000 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 $4,996. That is about 63% above the local median household income ($131,022), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.0%+15% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
28.6%-25% vs US avg
x
$777,700
Home Value
$1,906
Rent
1992
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.4%
  • 1-unit attached6.3%
  • 2-9 units5.7%
  • 10+ units6.1%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$777,700
Median rent$1,906
Owner-occupied75.0%
Vacant3.7%
Price-to-income5.9x
Est. income to buy$214,000