ZIP Code 95465 — Occidental, California

The median home in 95465 is valued at $1,110,500 against a median household income of $104,792, a price-to-income ratio of 10.6. That is far 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, which means a household earning the local median income cannot finance the local median home on conventional terms. Within Sonoma County, 95465 ranks 28 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 21.4% of median household income (median rent $1,871 a month), under the 30% cost-burden threshold.

95465 ranks 518 of 1,558 statewide on median household income and 240 of 1,558 on median home value; its income is in line with the $100,331 Sonoma County median. 65% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 55% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 6.7%, below the 10.8% statewide ZIP median. Unemployment stands at 2.0%.

With 26 residents per square mile across 48.1 square miles of land, 95465 is far less dense than the statewide ZIP median of 1,120 (rank 1,323 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.