ZIP Code 95686 — Thornton, California

The median home in 95686 is valued at $357,600 against a median household income of $38,611, a price-to-income ratio of 9.3. That is above 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 San Joaquin County, 95686 ranks 27 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 25.9% of median household income (median rent $834 a month), under the 30% cost-burden threshold.

95686 ranks 1,515 of 1,558 statewide on median household income and 1,198 of 1,558 on median home value; its income is far below the $85,098 San Joaquin County median. 55% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 8% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 36.1%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 7.5%.

With 37 residents per square mile across 32.4 square miles of land, 95686 is far less dense than the statewide ZIP median of 1,120 (rank 1,271 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.