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Bangor CDP, CA

ZIP 95914 — 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 95914

Median Home Value
$424,200
Median Rent
$1,050
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,725/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

33.7 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 95914 in Bangor CDP, CA, a household would need roughly $117,000 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 $2,725. That is about 38% above the local median household income ($84,688), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.4%+31% vs US avg
x
Vacancy Rate
32.2%+213% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$424,200
Home Value
$1,050
Rent
1983
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached77.3%
  • 1-unit attached1.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other21.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$424,200
Median rent$1,050
Owner-occupied85.4%
Vacant32.2%
Price-to-income5.0x
Est. income to buy$117,000