ZIP Code 95322 — Gustine, California

The median home in 95322 is valued at $418,800 against a median household income of $59,397, a price-to-income ratio of 7.1. 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, 95322 ranks 16 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 23.9% of median household income (median rent $1,185 a month), under the 30% cost-burden threshold.

95322 ranks 1,260 of 1,558 statewide on median household income and 1,075 of 1,558 on median home value; its income is below the $63,680 Merced County median. 53% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 12% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 7.5%, below the 10.8% statewide ZIP median. Unemployment stands at 15.3%.

With 55 residents per square mile across 169.4 square miles of land, 95322 is far less dense than the statewide ZIP median of 1,120 (rank 1,223 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.