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Truckee town, CA

ZIP 96161 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96161

Median Home Value
$922,000
Median Rent
$1,808
Affordability Snapshot
$254,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,923/mo PITI).

17%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

42.5 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 96161 in Truckee town, CA, a household would need roughly $254,000 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 $5,923. That is about 98% above the local median household income ($128,535), 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 59% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.6%+20% vs US avg
x
Vacancy Rate
58.8%+470% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
31.1%-37% vs US avg
x
Mortgage-Free
28.6%-25% vs US avg
x
$922,000
Home Value
$1,808
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached1.8%
  • 2-9 units9.8%
  • 10+ units5.8%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$922,000
Median rent$1,808
Owner-occupied78.6%
Vacant58.8%
Price-to-income7.2x
Est. income to buy$254,000