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Winters city, CA

ZIP 95694 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95694

Median Home Value
$633,600
Median Rent
$1,187
Affordability Snapshot
$174,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,070/mo PITI).

13%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

44.5 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 95694 in Winters city, CA, a household would need roughly $174,000 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 $4,070. That is about 62% above the local median household income ($107,415), 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
63.3%-3% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
3.2%-54% vs US avg
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$633,600
Home Value
$1,187
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 detached73.5%
  • 1-unit attached5.9%
  • 2-9 units10.4%
  • 10+ units3.6%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$633,600
Median rent$1,187
Owner-occupied63.3%
Vacant5.9%
Price-to-income5.9x
Est. income to buy$174,000