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Carnelian Bay CDP, CA

ZIP 96140 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96140

Median Home Value
$870,500
Median Rent
$2,250
Affordability Snapshot
$240,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,592/mo PITI).

15%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

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

32.2 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 96140 in Carnelian Bay CDP, CA, a household would need roughly $240,000 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 $5,592. That is about 30% above the local median household income ($185,104), 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 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
72.6%+605% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
52.9%+7% vs US avg
x
Mortgage-Free
36.1%-6% vs US avg
x
$870,500
Home Value
$2,250
Rent
1975
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached2.2%
  • 2-9 units3.6%
  • 10+ units3.6%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$870,500
Median rent$2,250
Owner-occupied89.1%
Vacant72.6%
Price-to-income4.7x
Est. income to buy$240,000