ZIP Code 95945 — Grass Valley, California

The median home in 95945 is valued at $474,100 against a median household income of $59,943, a price-to-income ratio of 7.9. 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 Nevada County, 95945 ranks 6 of 6 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.3. Renting takes 26.2% of median household income (median rent $1,309 a month), under the 30% cost-burden threshold.

95945 ranks 1,251 of 1,558 statewide on median household income and 979 of 1,558 on median home value; its income is below the $78,315 Nevada County median. 57% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 32% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 12.5%, above the 10.8% statewide ZIP median. Unemployment stands at 3.5%.

With 448 residents per square mile across 61.1 square miles of land, 95945 is far less dense than the statewide ZIP median of 1,120 (rank 918 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.