ZIP Code 95012 — Castroville, California

The median home in 95012 is valued at $559,200 against a median household income of $73,058, a price-to-income ratio of 7.7. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Monterey County, 95012 ranks 17 of 27 ZIPs on affordability (1 = lowest ratio); the county median ratio is 6.8. Renting takes 26.5% of median household income (median rent $1,611 a month), under the 30% cost-burden threshold.

95012 ranks 1,012 of 1,558 statewide on median household income and 855 of 1,558 on median home value; its income is below the $84,669 Monterey County median. 49% of households own their home, below the 64% statewide ZIP median, so most residents rent. 7% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 15.5%, above the 10.8% statewide ZIP median. Unemployment stands at 3.8%.

With 816 residents per square mile across 12.9 square miles of land, 95012 is less dense than the statewide ZIP median of 1,120 (rank 831 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.