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Cedarville CDP, CA

ZIP 96104 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96104

Median Home Value
$248,200
Median Rent
$713
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,594/mo PITI).

17%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

29.0 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 96104 in Cedarville CDP, CA, a household would need roughly $68,000 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 $1,594. That is about 32% above the local median household income ($51,484), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+10% vs US avg
x
Vacancy Rate
22.1%+114% vs US avg
x
Broadband Access
77.8%-11% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
38.6%-22% vs US avg
x
Mortgage-Free
68.8%+80% vs US avg
x
$248,200
Home Value
$713
Rent
1971
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached71.9%
  • 1-unit attached0.0%
  • 2-9 units9.6%
  • 10+ units5.1%
  • Mobile home & other13.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,200
Median rent$713
Owner-occupied72.3%
Vacant22.1%
Price-to-income4.8x
Est. income to buy$68,000