US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95946
  5. Housing & Real Estate
Lake Wildwood CDP, CA

ZIP 95946 — 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 95946

Median Home Value
$534,400
Median Rent
$1,813
Affordability Snapshot
$147,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,433/mo PITI).

26%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

24.6 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 95946 in Lake Wildwood CDP, CA, a household would need roughly $147,000 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 $3,433. That is about 74% above the local median household income ($84,700), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.6%-53% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$534,400
Home Value
$1,813
Rent
1983
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 detached90.4%
  • 1-unit attached0.9%
  • 2-9 units2.0%
  • 10+ units0.5%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$534,400
Median rent$1,813
Owner-occupied82.2%
Vacant13.8%
Price-to-income6.3x
Est. income to buy$147,000