ZIP Code 95320 — Escalon, California

The median home in 95320 is valued at $484,300 against a median household income of $76,570, a price-to-income ratio of 6.3. 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, so buying here on a local median income requires substantial savings or a second income. Within San Joaquin County, 95320 ranks 22 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 24.4% of median household income (median rent $1,559 a month), under the 30% cost-burden threshold.

95320 ranks 952 of 1,558 statewide on median household income and 959 of 1,558 on median home value; its income is below the $85,098 San Joaquin County median. 71% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 11.3%, in line with the 10.8% statewide ZIP median. Unemployment stands at 8.8%.

With 140 residents per square mile across 88.7 square miles of land, 95320 is far less dense than the statewide ZIP median of 1,120 (rank 1,098 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.