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Montgomery Creek CDP, CA

ZIP 96065 — 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 96065

Median Home Value
$315,800
Median Rent
N/A
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,029/mo PITI).

4.9x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 96065 in Montgomery Creek CDP, CA, a household would need roughly $87,000 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 $2,029. That is about 34% above the local median household income ($65,000), 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 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.8%+34% vs US avg
x
Vacancy Rate
42.2%+310% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
9.4%-37% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
44.6%+17% vs US avg
x
$315,800
Home Value
N/A
Rent
1987
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 detached90.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$315,800
Median rent$-666,666,666
Owner-occupied87.8%
Vacant42.2%
Price-to-income4.9x
Est. income to buy$87,000