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Camanche Village CDP, CA

ZIP 95640 — 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 95640

Median Home Value
$432,100
Median Rent
$1,145
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,776/mo PITI).

15%
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.

31.4 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 95640 in Camanche Village CDP, CA, a household would need roughly $119,000 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 $2,776. That is about 27% above the local median household income ($94,045), 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
81.1%+24% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
87.0%+0% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
36.5%-4% vs US avg
x
$432,100
Home Value
$1,145
Rent
1997
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached2.9%
  • 2-9 units2.1%
  • 10+ units4.5%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$432,100
Median rent$1,145
Owner-occupied81.1%
Vacant4.5%
Price-to-income4.6x
Est. income to buy$119,000