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Loomis town, CA

ZIP 95650 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95650

Median Home Value
$783,300
Median Rent
$1,414
Affordability Snapshot
$216,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,032/mo PITI).

12%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

46.2 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 95650 in Loomis town, CA, a household would need roughly $216,000 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 $5,032. That is about 57% above the local median household income ($137,263), 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
89.9%+38% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
36.9%-26% vs US avg
x
Mortgage-Free
27.3%-29% vs US avg
x
$783,300
Home Value
$1,414
Rent
1981
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 detached90.6%
  • 1-unit attached2.8%
  • 2-9 units3.2%
  • 10+ units0.2%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$783,300
Median rent$1,414
Owner-occupied89.9%
Vacant2.9%
Price-to-income5.7x
Est. income to buy$216,000