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Rancho Cordova city, CA

ZIP 95742 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95742

Median Home Value
$616,100
Median Rent
$2,214
Affordability Snapshot
$170,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,958/mo PITI).

17%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.2 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 95742 in Rancho Cordova city, CA, a household would need roughly $170,000 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 $3,958. That is roughly in line with the local median household income ($154,602). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.4%+34% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
18.1%+23% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
8.1%+17% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
20.6%-46% vs US avg
x
$616,100
Home Value
$2,214
Rent
2008
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached94.4%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units3.9%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$616,100
Median rent$2,214
Owner-occupied87.4%
Vacant3.1%
Price-to-income4.0x
Est. income to buy$170,000