ZIP Code 95608 — Carmichael, California

The median home in 95608 is valued at $516,000 against a median household income of $79,371, a price-to-income ratio of 6.5. That is in line with 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 Sacramento County, 95608 ranks 40 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 22.0% of median household income (median rent $1,453 a month), under the 30% cost-burden threshold.

95608 ranks 905 of 1,558 statewide on median household income and 914 of 1,558 on median home value; its income is below the $83,933 Sacramento County median. 53% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 36% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 12.4%, above the 10.8% statewide ZIP median. Unemployment stands at 5.3%.

With 4,827 residents per square mile across 13.2 square miles of land, 95608 is far denser than the statewide ZIP median of 1,120 (rank 458 of 1,558). This is predominantly single-family residential with suburban street patterns.