ZIP Code 95237 — Lockeford, California

The median home in 95237 is valued at $406,200 against a median household income of $89,042, a price-to-income ratio of 4.6. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within San Joaquin County, 95237 ranks 3 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 15.6% of median household income (median rent $1,154 a month), under the 30% cost-burden threshold.

95237 ranks 753 of 1,558 statewide on median household income and 1,094 of 1,558 on median home value; its income is in line with the $85,098 San Joaquin County median. 82% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 9.2%, below the 10.8% statewide ZIP median. Unemployment stands at 5.9%.

With 539 residents per square mile across 7.4 square miles of land, 95237 is far less dense than the statewide ZIP median of 1,120 (rank 893 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.