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Wheatland city, CA

ZIP 95692 — 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 95692

Median Home Value
$445,100
Median Rent
$1,080
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,859/mo PITI).

15%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

34.3 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 95692 in Wheatland city, CA, a household would need roughly $123,000 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 $2,859. That is about 42% above the local median household income ($86,488), 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
65.8%+1% vs US avg
x
Vacancy Rate
2.0%-80% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$445,100
Home Value
$1,080
Rent
1993
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached72.8%
  • 1-unit attached1.9%
  • 2-9 units15.4%
  • 10+ units0.8%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$445,100
Median rent$1,080
Owner-occupied65.8%
Vacant2.0%
Price-to-income5.1x
Est. income to buy$123,000