ZIP Code 95638 — Herald, California

The median home in 95638 is valued at $619,500 against a median household income of $94,167, a price-to-income ratio of 6.6. 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, 95638 ranks 41 of 51 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 15.3% of median household income (median rent $1,203 a month), under the 30% cost-burden threshold.

95638 ranks 660 of 1,558 statewide on median household income and 748 of 1,558 on median home value; its income is above the $83,933 Sacramento County median. 92% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.6%, below the 10.8% statewide ZIP median. Unemployment stands at 7.1%.

With 28 residents per square mile across 80.2 square miles of land, 95638 is far less dense than the statewide ZIP median of 1,120 (rank 1,309 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.