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North Highlands CDP, CA

ZIP 95841 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 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 95841

Median Home Value
$414,200
Median Rent
$1,373
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,661/mo PITI).

26%
Rent-to-Income Ratio

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

6.6x
Home Price-to-Income Ratio

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

25.1 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 95841 in North Highlands CDP, CA, a household would need roughly $114,000 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 $2,661. That is about 83% above the local median household income ($62,305), 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
38.4%-41% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
1.3%-92% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.6%-48% vs US avg
x
Mortgage-Free
32.0%-16% vs US avg
x
$414,200
Home Value
$1,373
Rent
1975
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 detached38.3%
  • 1-unit attached11.0%
  • 2-9 units29.3%
  • 10+ units18.3%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,200
Median rent$1,373
Owner-occupied38.4%
Vacant5.5%
Price-to-income6.6x
Est. income to buy$114,000