US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95991
  5. Housing & Real Estate
Yuba City city, CA

ZIP 95991 — 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 95991

Median Home Value
$366,200
Median Rent
$1,129
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,352/mo PITI).

21%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

27.0 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 95991 in Yuba City city, CA, a household would need roughly $101,000 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 $2,352. That is about 56% above the local median household income ($64,853), 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
48.3%-26% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$366,200
Home Value
$1,129
Rent
1976
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached61.3%
  • 1-unit attached5.1%
  • 2-9 units12.7%
  • 10+ units16.2%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$366,200
Median rent$1,129
Owner-occupied48.3%
Vacant3.9%
Price-to-income5.6x
Est. income to buy$101,000