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ZIP 96745 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96745

Median Home Value
$530,100
Median Rent
$1,683
Affordability Snapshot
$146,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,405/mo PITI).

24%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

26.2 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 96745, a household would need roughly $146,000 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 $3,405. That is about 74% above the local median household income ($83,779), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.1%-16% vs US avg
x
Vacancy Rate
28.4%+175% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
51.7%+35% vs US avg
x
$530,100
Home Value
$1,683
Rent
1979
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached33.2%
  • 1-unit attached0.4%
  • 2-9 units16.9%
  • 10+ units49.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$530,100
Median rent$1,683
Owner-occupied55.1%
Vacant28.4%
Price-to-income6.3x
Est. income to buy$146,000