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East Nicolaus CDP, CA

ZIP 95659 — 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 95659

Median Home Value
$500,000
Median Rent
$1,013
Affordability Snapshot
$138,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,212/mo PITI).

18%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

41.1 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 95659 in East Nicolaus CDP, CA, a household would need roughly $138,000 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 $3,212. That is about 105% above the local median household income ($67,188), 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
73.2%+12% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
7.0%-52% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
43.6%+14% vs US avg
x
$500,000
Home Value
$1,013
Rent
1972
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached81.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other19.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$500,000
Median rent$1,013
Owner-occupied73.2%
Vacant9.5%
Price-to-income7.4x
Est. income to buy$138,000