ZIP Code 95324 — Hilmar, California

The median home in 95324 is valued at $380,600 against a median household income of $71,523, a price-to-income ratio of 5.3. 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, though it is among the more attainable ratios in the state. Within Merced County, 95324 ranks 12 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 21.9% of median household income (median rent $1,305 a month), under the 30% cost-burden threshold.

95324 ranks 1,043 of 1,558 statewide on median household income and 1,143 of 1,558 on median home value; its income is above the $63,680 Merced County median. 51% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 11% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 16.4%, far above the 10.8% statewide ZIP median. Unemployment stands at 6.9%.

With 218 residents per square mile across 40.2 square miles of land, 95324 is far less dense than the statewide ZIP median of 1,120 (rank 1,037 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.