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Samoa CDP, CA

ZIP 95564 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95564

Median Home Value
$421,900
Median Rent
$996
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,710/mo PITI).

17%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

35.3 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 95564 in Samoa CDP, CA, a household would need roughly $116,000 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 $2,710. That is about 68% above the local median household income ($69,250), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
36.0%-45% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
99.5%+14% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
6.3%-87% vs US avg
x
Mortgage-Free
62.0%+62% vs US avg
x
$421,900
Home Value
$996
Rent
1938
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 detached90.4%
  • 1-unit attached0.8%
  • 2-9 units7.1%
  • 10+ units1.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$421,900
Median rent$996
Owner-occupied36.0%
Vacant17.6%
Price-to-income6.1x
Est. income to buy$116,000