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ZIP 96823 — 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 96823

Median Home Value
$386,500
Median Rent
$1,338
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,483/mo PITI).

23%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

24.1 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 96823, a household would need roughly $106,000 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 $2,483. That is about 54% above the local median household income ($68,884), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
42.8%-35% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.5%-30% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$386,500
Home Value
$1,338
Rent
1976
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached7.6%
  • 1-unit attached1.7%
  • 2-9 units15.7%
  • 10+ units72.7%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,500
Median rent$1,338
Owner-occupied42.8%
Vacant5.1%
Price-to-income5.6x
Est. income to buy$106,000