ZIP Code 95421 — Cazadero, California

The median home in 95421 is valued at $604,400 against a median household income of $67,917, a price-to-income ratio of 8.9. 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 Sonoma County, 95421 ranks 22 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 22.3% of median household income (median rent $1,260 a month), under the 30% cost-burden threshold.

95421 ranks 1,113 of 1,558 statewide on median household income and 773 of 1,558 on median home value; its income is below the $100,331 Sonoma County median. 74% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 41% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 20.5%, far above the 10.8% statewide ZIP median. Unemployment stands at 1.1%.

With 12 residents per square mile across 143.4 square miles of land, 95421 is far less dense than the statewide ZIP median of 1,120 (rank 1,408 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.