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Arden-Arcade CDP, CA

ZIP 95821 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95821

Median Home Value
$470,900
Median Rent
$1,204
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,025/mo PITI).

25%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

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

32.6 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 95821 in Arden-Arcade CDP, CA, a household would need roughly $130,000 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 $3,025. That is about 123% above the local median household income ($58,331), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
48.3%-26% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
33.5%-33% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$470,900
Home Value
$1,204
Rent
1963
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached49.7%
  • 1-unit attached5.8%
  • 2-9 units17.2%
  • 10+ units25.0%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$470,900
Median rent$1,204
Owner-occupied48.3%
Vacant4.5%
Price-to-income8.1x
Est. income to buy$130,000