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, CA

ZIP 95703 — 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 95703

Median Home Value
$644,300
Median Rent
$1,144
Affordability Snapshot
$177,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,139/mo PITI).

14%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

46.9 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 95703 in CA, a household would need roughly $177,000 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 $4,139. That is about 79% above the local median household income ($98,734), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
9.8%-34% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.0%-42% vs US avg
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
24.9%-35% vs US avg
x
$644,300
Home Value
$1,144
Rent
1986
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached86.8%
  • 1-unit attached4.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$644,300
Median rent$1,144
Owner-occupied78.2%
Vacant11.6%
Price-to-income6.5x
Est. income to buy$177,000