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Ferndale city, CA

ZIP 95536 — 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 95536

Median Home Value
$570,800
Median Rent
$1,074
Affordability Snapshot
$157,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,667/mo PITI).

19%
Rent-to-Income Ratio

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

8.6x
Home Price-to-Income Ratio

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

44.3 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 95536 in Ferndale city, CA, a household would need roughly $157,000 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 $3,667. That is about 136% above the local median household income ($66,563), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.0%-4% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$570,800
Home Value
$1,074
Rent
1956
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 detached84.3%
  • 1-unit attached3.9%
  • 2-9 units9.8%
  • 10+ units0.0%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$570,800
Median rent$1,074
Owner-occupied63.0%
Vacant16.1%
Price-to-income8.6x
Est. income to buy$157,000