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Galt city, CA

ZIP 95632 — 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 95632

Median Home Value
$487,500
Median Rent
$1,266
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,132/mo PITI).

17%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

32.1 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 95632 in Galt city, CA, a household would need roughly $134,000 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 $3,132. That is about 47% above the local median household income ($90,933), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+16% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$487,500
Home Value
$1,266
Rent
1993
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 detached82.1%
  • 1-unit attached2.0%
  • 2-9 units5.7%
  • 10+ units2.3%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$487,500
Median rent$1,266
Owner-occupied76.2%
Vacant4.2%
Price-to-income5.4x
Est. income to buy$134,000