ZIP Code 95497 — The Sea Ranch, California

The median home in 95497 is valued at $1,104,800 against a median household income of $92,260, a price-to-income ratio of 12.0. 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, 95497 ranks 29 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 20.8% of median household income (median rent $1,598 a month), under the 30% cost-burden threshold.

95497 ranks 694 of 1,558 statewide on median household income and 245 of 1,558 on median home value; its income is below the $100,331 Sonoma County median. 93% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 73% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 11.6%, above the 10.8% statewide ZIP median. Unemployment stands at 3.7%.

With 81 residents per square mile across 15.2 square miles of land, 95497 is far less dense than the statewide ZIP median of 1,120 (rank 1,174 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.