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Durham CDP, CA

ZIP 95928 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95928

Median Home Value
$476,600
Median Rent
$1,269
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,062/mo PITI).

23%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

31.3 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 95928 in Durham CDP, CA, a household would need roughly $131,000 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 $3,062. That is about 100% above the local median household income ($65,350), 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
42.3%-35% vs US avg
x
Vacancy Rate
9.4%-8% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
33.9%-32% vs US avg
x
Mortgage-Free
38.6%+1% vs US avg
x
$476,600
Home Value
$1,269
Rent
1983
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached56.2%
  • 1-unit attached3.8%
  • 2-9 units23.5%
  • 10+ units14.3%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$476,600
Median rent$1,269
Owner-occupied42.3%
Vacant9.4%
Price-to-income7.3x
Est. income to buy$131,000