ZIP Code 96118 — Loyalton, California

The median home in 96118 is valued at $244,800 against a median household income of $62,099, a price-to-income ratio of 3.9. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally. Within Sierra County, 96118 ranks 2 of 5 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.1. Renting takes 20.4% of median household income (median rent $1,056 a month), under the 30% cost-burden threshold.

96118 ranks 1,216 of 1,558 statewide on median household income and 1,429 of 1,558 on median home value; its income is below the $74,917 Sierra County median. 85% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.7%, far above the 10.8% statewide ZIP median. Unemployment stands at 1.1%.

With 9 residents per square mile across 170.7 square miles of land, 96118 is far less dense than the statewide ZIP median of 1,120 (rank 1,434 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.