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Magalia CDP, CA

ZIP 95954 — 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 95954

Median Home Value
$268,200
Median Rent
$954
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,723/mo PITI).

19%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.4 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 95954 in Magalia CDP, CA, a household would need roughly $74,000 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 $1,723. That is about 20% above the local median household income ($61,808), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.9%+28% vs US avg
x
Vacancy Rate
14.6%+41% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
35.5%-29% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$268,200
Home Value
$954
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.7%
  • 1-unit attached0.5%
  • 2-9 units1.8%
  • 10+ units0.6%
  • Mobile home & other37.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$268,200
Median rent$954
Owner-occupied83.9%
Vacant14.6%
Price-to-income4.3x
Est. income to buy$74,000