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ZIP 95798 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95798

Median Home Value
$68,300
Median Rent
$1,002
Affordability Snapshot
$19,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$439/mo PITI).

39%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

5.7 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 95798, a household would need roughly $19,000 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 $439. That sits below the local median household income ($30,710), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
31.0%-53% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.4%-29% vs US avg
x
Mortgage-Free
70.5%+85% vs US avg
x
$68,300
Home Value
$1,002
Rent
1976
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached16.2%
  • 1-unit attached1.3%
  • 2-9 units26.9%
  • 10+ units26.3%
  • Mobile home & other29.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$68,300
Median rent$1,002
Owner-occupied31.0%
Vacant2.5%
Price-to-income2.2x
Est. income to buy$19,000