ZIP Code 95301 — Atwater, California

The median home in 95301 is valued at $342,900 against a median household income of $66,749, a price-to-income ratio of 5.1. 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 Merced County, 95301 ranks 9 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 21.1% of median household income (median rent $1,174 a month), under the 30% cost-burden threshold.

95301 ranks 1,139 of 1,558 statewide on median household income and 1,236 of 1,558 on median home value; its income is in line with the $63,680 Merced County median. 58% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.1%, above the 10.8% statewide ZIP median. Unemployment stands at 10.3%.

With 547 residents per square mile across 76.1 square miles of land, 95301 is far less dense than the statewide ZIP median of 1,120 (rank 887 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.