ZIP Code 95236 — Linden, California

The median home in 95236 is valued at $618,700 against a median household income of $81,125, a price-to-income ratio of 7.6. 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 San Joaquin County, 95236 ranks 25 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 23.8% of median household income (median rent $1,608 a month), under the 30% cost-burden threshold.

95236 ranks 877 of 1,558 statewide on median household income and 754 of 1,558 on median home value; its income is in line with the $85,098 San Joaquin County median. 62% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.1%, above the 10.8% statewide ZIP median. Unemployment stands at 11.8%.

With 35 residents per square mile across 127.5 square miles of land, 95236 is far less dense than the statewide ZIP median of 1,120 (rank 1,277 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.