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Newcastle CDP, CA

ZIP 95658 — 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 95658

Median Home Value
$814,300
Median Rent
$1,296
Affordability Snapshot
$224,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,231/mo PITI).

12%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

52.4 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 95658 in Newcastle CDP, CA, a household would need roughly $224,000 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 $5,231. That is about 74% above the local median household income ($128,472), 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
92.0%+41% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
9.7%-81% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$814,300
Home Value
$1,296
Rent
1979
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 detached82.8%
  • 1-unit attached2.1%
  • 2-9 units1.0%
  • 10+ units0.0%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$814,300
Median rent$1,296
Owner-occupied92.0%
Vacant7.1%
Price-to-income6.3x
Est. income to buy$224,000