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Palo Cedro CDP, CA

ZIP 96073 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96073

Median Home Value
$539,800
Median Rent
$1,296
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,468/mo PITI).

13%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

34.7 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 96073 in Palo Cedro CDP, CA, a household would need roughly $149,000 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 $3,468. That is about 21% above the local median household income ($123,237), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
93.5%+43% vs US avg
x
Vacancy Rate
2.1%-79% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.3%-79% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$539,800
Home Value
$1,296
Rent
1979
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached93.4%
  • 1-unit attached0.7%
  • 2-9 units1.0%
  • 10+ units0.0%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$539,800
Median rent$1,296
Owner-occupied93.5%
Vacant2.1%
Price-to-income4.4x
Est. income to buy$149,000