ZIP Code 95366 — Ripon, California

The median home in 95366 is valued at $627,000 against a median household income of $104,041, a price-to-income ratio of 6.0. 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, 95366 ranks 19 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 20.2% of median household income (median rent $1,752 a month), under the 30% cost-burden threshold.

95366 ranks 533 of 1,558 statewide on median household income and 732 of 1,558 on median home value; its income is above the $85,098 San Joaquin County median. 69% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 9.4%, below the 10.8% statewide ZIP median. Unemployment stands at 3.2%.

With 539 residents per square mile across 34.3 square miles of land, 95366 is far less dense than the statewide ZIP median of 1,120 (rank 893 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.