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ZIP Code 95322

Merced, California

FIPS 95322

Juniper

ZIP Code 95322 is in the top 13% nationally for appreciation 1yr %, but in the bottom 1% nationally for FEMA risk score. It also sits in the bottom 6% nationally for price-to-income ratio. And it sits in the 85th percentile nationally for median home value.

Median Home Value

$444,100

Higher than 85% of U.S. ZIP codes

HPI Growth 5yr %

47%

Higher than 69% of U.S. ZIP codes

FEMA Risk Score

99.2

Higher than 99% of U.S. ZIP codes

The basics

Total Population

9,506

Median Age

40.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$444,100

Higher than 85%

Median Property Tax

$2,528

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

6.75

Higher than 94%

Median Rent

$1,321

Higher than 77%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

47%

Higher than 69%

Appreciation 1yr %

6%

Higher than 87%

Pandemic Gain %

44%

Recession Drop %

-71%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

98

Winter Avg Low (°F)

38.9

Avg Temperature (°F)

65

Hot Days/yr (>90°F)

120.8

Freezing Days/yr (<32°F)

23.4

Annual Precipitation (in)

11.7

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

99.2

Higher than 99%

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 95322: frequently asked questions

What is the median home value in ZIP Code 95322?
The median home value in ZIP Code 95322 is $444,100, higher than 85% of U.S. ZIP codes.
How much is property tax in ZIP Code 95322?
The median annual property tax in ZIP Code 95322 is $2,528, an effective rate of 1% of home value.
Is ZIP Code 95322 expensive to live in?
Homes in ZIP Code 95322 cost about 6.75× the median household income, higher than 94% of U.S. ZIP codes.
What is the average rent in ZIP Code 95322?
The median gross rent in ZIP Code 95322 is $1,321 a month, higher than 77% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95322?
Home prices in ZIP Code 95322 have moved 47% over the past five years (6% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95322?
ZIP Code 95322 averages 65°F year-round, summer highs near 98°F, winter lows around 38.9°F (NOAA 1991–2020 normals).
Is ZIP Code 95322 at risk of flooding or natural disasters?
ZIP Code 95322's FEMA National Risk Index score is 99.2 (higher than 99% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →