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ZIP 95724 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95724

Median Home Value
$464,400
Median Rent
$839
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,983/mo PITI).

14%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

46.1 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 95724, a household would need roughly $128,000 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 $2,983. That is about 73% above the local median household income ($73,889), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.9%+16% vs US avg
x
Vacancy Rate
30.8%+199% vs US avg
x
Broadband Access
80.6%-7% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
40.5%-19% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$464,400
Home Value
$839
Rent
1980
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 detached86.0%
  • 1-unit attached1.3%
  • 2-9 units4.5%
  • 10+ units1.7%
  • Mobile home & other6.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$464,400
Median rent$839
Owner-occupied75.9%
Vacant30.8%
Price-to-income6.3x
Est. income to buy$128,000