ZIP Code 95039 — Moss Landing, California

The median home in 95039 is valued at $254,700 against a median household income of $48,700, a price-to-income ratio of 5.2. That is below 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, though it is among the more attainable ratios in the state. Within Monterey County, 95039 ranks 5 of 27 ZIPs on affordability (1 = lowest ratio); the county median ratio is 6.8. Renting takes 36.1% of median household income (median rent $1,464 a month), above the 30% cost-burden threshold.

95039 ranks 1,431 of 1,558 statewide on median household income and 1,412 of 1,558 on median home value; its income is below the $84,669 Monterey County median. 60% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.8%, far above the 10.8% statewide ZIP median. Unemployment stands at 1.2%.

With 82 residents per square mile across 17.4 square miles of land, 95039 is far less dense than the statewide ZIP median of 1,120 (rank 1,173 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.