The basics
Total Population
18,960
Median Age
38.9
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$1,497,200
Median Property Tax
$10,001
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
7.32
Median Rent
$2,780
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
46%
Appreciation 1yr %
-6.5%
Pandemic Gain %
48%
Recession Drop %
-31%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
76.1
Winter Avg Low (°F)
38.3
Avg Temperature (°F)
55.1
Hot Days/yr (>90°F)
3
Freezing Days/yr (<32°F)
45
Annual Precipitation (in)
20.6
Annual Snowfall (in)
18.1
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
77.2
EAL Flood/Coastal per $1K
0
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 95138: frequently asked questions
- What is the median home value in ZIP Code 95138?
- The median home value in ZIP Code 95138 is $1,497,200, higher than 99% of U.S. ZIP codes.
- How much is property tax in ZIP Code 95138?
- The median annual property tax in ZIP Code 95138 is $10,001, an effective rate of 1% of home value.
- Is ZIP Code 95138 expensive to live in?
- Homes in ZIP Code 95138 cost about 7.32× the median household income, higher than 95% of U.S. ZIP codes.
- What is the average rent in ZIP Code 95138?
- The median gross rent in ZIP Code 95138 is $2,780 a month, higher than 99% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 95138?
- Home prices in ZIP Code 95138 have moved 46% over the past five years (-6.5% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 95138?
- ZIP Code 95138 averages 55.1°F year-round, summer highs near 76.1°F, winter lows around 38.3°F (NOAA 1991–2020 normals). It sees about 18.1 inches of snow a year.
- Is ZIP Code 95138 at risk of flooding or natural disasters?
- ZIP Code 95138's FEMA National Risk Index score is 77.2 (higher than 66% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Modeled coastal-flood loss is negligible.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →