ZIP Code 95386 — Waterford, California

The median home in 95386 is valued at $369,900 against a median household income of $63,503, a price-to-income ratio of 5.8. 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 Stanislaus County, 95386 ranks 21 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 26.4% of median household income (median rent $1,395 a month), under the 30% cost-burden threshold.

95386 ranks 1,194 of 1,558 statewide on median household income and 1,172 of 1,558 on median home value; its income is below the $80,266 Stanislaus County median. 57% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 9% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 17.7%, far above the 10.8% statewide ZIP median. Unemployment stands at 5.4%.

With 110 residents per square mile across 94.7 square miles of land, 95386 is far less dense than the statewide ZIP median of 1,120 (rank 1,123 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.