ZIP Code 95928 — Chico, California

The median home in 95928 is valued at $451,600 against a median household income of $66,023, a price-to-income ratio of 6.8. 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 Butte County, 95928 ranks 13 of 15 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 24.5% of median household income (median rent $1,346 a month), under the 30% cost-burden threshold.

95928 ranks 1,150 of 1,558 statewide on median household income and 1,021 of 1,558 on median home value; its income is in line with the $63,187 Butte County median. 44% of households own their home, below the 64% statewide ZIP median, so most residents rent. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 23.3%, far above the 10.8% statewide ZIP median. Unemployment stands at 7.8%.

With 264 residents per square mile across 145.4 square miles of land, 95928 is far less dense than the statewide ZIP median of 1,120 (rank 1,012 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.