US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95542
  5. Housing & Real Estate
Benbow CDP, CA

ZIP 95542 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95542

Median Home Value
$413,800
Median Rent
$1,221
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,658/mo PITI).

33%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

9.2x
Home Price-to-Income Ratio

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

28.2 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 95542 in Benbow CDP, CA, a household would need roughly $114,000 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 $2,658. That is about 153% above the local median household income ($45,049), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
58.3%-11% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
12.0%-6% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.6%-52% vs US avg
x
Mortgage-Free
63.8%+67% vs US avg
x
$413,800
Home Value
$1,221
Rent
1977
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 detached69.3%
  • 1-unit attached7.6%
  • 2-9 units11.1%
  • 10+ units1.8%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$413,800
Median rent$1,221
Owner-occupied58.3%
Vacant14.1%
Price-to-income9.2x
Est. income to buy$114,000