ZIP Code 95684 — Somerset, California

The median home in 95684 is valued at $558,900 against a median household income of $81,331, a price-to-income ratio of 6.9. 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 El Dorado County, 95684 ranks 16 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.0. Renting takes 24.4% of median household income (median rent $1,653 a month), under the 30% cost-burden threshold.

95684 ranks 870 of 1,558 statewide on median household income and 856 of 1,558 on median home value; its income is in line with the $84,588 El Dorado County median. 83% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 37% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 9.5%, below the 10.8% statewide ZIP median. Unemployment stands at 4.6%.

With 18 residents per square mile across 159.8 square miles of land, 95684 is far less dense than the statewide ZIP median of 1,120 (rank 1,364 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.