US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95627
  5. Housing & Real Estate
Esparto CDP, CA

ZIP 95627 — 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 95627

Median Home Value
$477,900
Median Rent
$1,188
Affordability Snapshot
$132,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,070/mo PITI).

14%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

33.5 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 95627 in Esparto CDP, CA, a household would need roughly $132,000 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 $3,070. That is about 27% above the local median household income ($104,265), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
19.4%+89% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
12.5%-15% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
11.2%-77% vs US avg
x
Mortgage-Free
27.2%-29% vs US avg
x
$477,900
Home Value
$1,188
Rent
1994
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached66.1%
  • 1-unit attached1.5%
  • 2-9 units4.0%
  • 10+ units8.9%
  • Mobile home & other19.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$477,900
Median rent$1,188
Owner-occupied68.8%
Vacant19.4%
Price-to-income4.6x
Est. income to buy$132,000