ZIP Code 95328 — Keyes, California

The median home in 95328 is valued at $408,100 against a median household income of $51,519, a price-to-income ratio of 7.9. 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 Stanislaus County, 95328 ranks 22 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 29.8% of median household income (median rent $1,279 a month), under the 30% cost-burden threshold.

95328 ranks 1,394 of 1,558 statewide on median household income and 1,088 of 1,558 on median home value; its income is below the $80,266 Stanislaus County median. 48% of households own their home, 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 33.1%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 8.7%.

With 4,284 residents per square mile across 0.9 square miles of land, 95328 is far denser than the statewide ZIP median of 1,120 (rank 494 of 1,558). This is predominantly single-family residential with suburban street patterns.