ZIP Code 95249 — San Andreas, California

The median home in 95249 is valued at $392,000 against a median household income of $43,815, a price-to-income ratio of 8.9. 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 Calaveras County, 95249 ranks 12 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.8. Renting takes 40.7% of median household income (median rent $1,487 a month), above the 30% cost-burden threshold.

95249 ranks 1,478 of 1,558 statewide on median household income and 1,116 of 1,558 on median home value; its income is below the $85,243 Calaveras County median. 72% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 22% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 32.6%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 2.3%.

With 60 residents per square mile across 81.2 square miles of land, 95249 is far less dense than the statewide ZIP median of 1,120 (rank 1,211 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.