ZIP Code 95312 — Cressey, California

The median home in 95312 is valued at $181,300 against a median household income of $87,734, a price-to-income ratio of 2.1. That is far below the 6.7 median across the 1,558 California ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Merced County, 95312 ranks 1 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 17.2% of median household income (median rent $1,261 a month), under the 30% cost-burden threshold.

95312 ranks 769 of 1,558 statewide on median household income and 1,512 of 1,558 on median home value; its income is above the $63,680 Merced County median. 58% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 9% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 3.9%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.8%.

With 284 residents per square mile across 1 square miles of land, 95312 is far less dense than the statewide ZIP median of 1,120 (rank 995 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.