ZIP Code 95317 — El Nido, California

The median home in 95317 is valued at $450,000 against a median household income of $53,555, a price-to-income ratio of 8.4. 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 Merced County, 95317 ranks 18 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 21.6% of median household income (median rent $962 a month), under the 30% cost-burden threshold.

95317 ranks 1,365 of 1,558 statewide on median household income and 1,027 of 1,558 on median home value; its income is below the $63,680 Merced County median. 22% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 7% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 13.0%, above the 10.8% statewide ZIP median. Unemployment stands at 3.2%.

With 21 residents per square mile across 46.2 square miles of land, 95317 is far less dense than the statewide ZIP median of 1,120 (rank 1,343 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.