ZIP Code 95628 — Fair Oaks, California

The median home in 95628 is valued at $587,700 against a median household income of $110,012, a price-to-income ratio of 5.3. 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 Sacramento County, 95628 ranks 27 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 19.6% of median household income (median rent $1,793 a month), under the 30% cost-burden threshold.

95628 ranks 453 of 1,558 statewide on median household income and 803 of 1,558 on median home value; its income is above the $83,933 Sacramento County median. 71% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 45% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.3%, below the 10.8% statewide ZIP median. Unemployment stands at 5.6%.

With 3,431 residents per square mile across 12.9 square miles of land, 95628 is far denser than the statewide ZIP median of 1,120 (rank 565 of 1,558). This is predominantly single-family residential with suburban street patterns.