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Scotia CDP, CA

ZIP 95565 — 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 95565

Median Home Value
$350,000
Median Rent
$1,013
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,248/mo PITI).

14%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.8 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 95565 in Scotia CDP, CA, a household would need roughly $96,000 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 $2,248. That is roughly in line with the local median household income ($88,281). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.8%-24% vs US avg
x
Vacancy Rate
24.6%+139% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
15.3%+20% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
3.8%-92% vs US avg
x
Mortgage-Free
17.2%-55% vs US avg
x
$350,000
Home Value
$1,013
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached96.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$350,000
Median rent$1,013
Owner-occupied49.8%
Vacant24.6%
Price-to-income4.0x
Est. income to buy$96,000