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Camino CDP, CA

ZIP 95709 — 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 95709

Median Home Value
$584,600
Median Rent
$1,241
Affordability Snapshot
$161,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,755/mo PITI).

19%
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.

39.3 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 95709 in Camino CDP, CA, a household would need roughly $161,000 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 $3,755. That is about 103% above the local median household income ($79,196), 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
72.6%+11% vs US avg
x
Vacancy Rate
6.2%-39% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
43.7%+14% vs US avg
x
$584,600
Home Value
$1,241
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached86.5%
  • 1-unit attached0.7%
  • 2-9 units4.3%
  • 10+ units3.4%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$584,600
Median rent$1,241
Owner-occupied72.6%
Vacant6.2%
Price-to-income7.4x
Est. income to buy$161,000