ZIP Code 95648 — Lincoln, California

The median home in 95648 is valued at $603,600 against a median household income of $100,112, a price-to-income ratio of 6.0. 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, so buying here on a local median income requires substantial savings or a second income. Within Placer County, 95648 ranks 15 of 27 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.9. Renting takes 24.3% of median household income (median rent $2,026 a month), under the 30% cost-burden threshold.

95648 ranks 576 of 1,558 statewide on median household income and 776 of 1,558 on median home value; its income is below the $105,789 Placer County median. 83% of households own their home, above 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 7.6%, below the 10.8% statewide ZIP median. Unemployment stands at 3.9%.

With 384 residents per square mile across 144.3 square miles of land, 95648 is far less dense than the statewide ZIP median of 1,120 (rank 946 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.