ZIP Code 95365 — Planada, California

The median home in 95365 is valued at $225,500 against a median household income of $41,394, a price-to-income ratio of 5.4. 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, 95365 ranks 14 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 26.4% of median household income (median rent $909 a month), under the 30% cost-burden threshold.

95365 ranks 1,500 of 1,558 statewide on median household income and 1,462 of 1,558 on median home value; its income is below the $63,680 Merced County median. 50% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 6% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 34.3%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 12.3%.

With 1,049 residents per square mile across 3.7 square miles of land, 95365 is less dense than the statewide ZIP median of 1,120 (rank 791 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.