US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95630
  5. Housing & Real Estate
Folsom city, CA

ZIP 95630 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95630

Median Home Value
$702,200
Median Rent
$2,106
Affordability Snapshot
$193,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,511/mo PITI).

18%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

27.8 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 95630 in Folsom city, CA, a household would need roughly $193,000 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 $4,511. That is about 39% above the local median household income ($139,182), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.1%+6% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
28.6%-25% vs US avg
x
$702,200
Home Value
$2,106
Rent
1996
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 detached71.8%
  • 1-unit attached3.8%
  • 2-9 units9.0%
  • 10+ units12.9%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$702,200
Median rent$2,106
Owner-occupied69.1%
Vacant3.0%
Price-to-income5.0x
Est. income to buy$193,000