The basics
Total Population
14,469
Median Age
39.1
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$389,500
Median Property Tax
$3,028
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
6.12
Median Rent
$1,178
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
36%
Appreciation 1yr %
-0.64%
Pandemic Gain %
38%
Recession Drop %
-30%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
69.6
Winter Avg Low (°F)
42.3
Avg Temperature (°F)
55.6
Hot Days/yr (>90°F)
1.5
Freezing Days/yr (<32°F)
5.9
Annual Precipitation (in)
43.3
Annual Snowfall (in)
0.7
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
96.6
EAL Flood/Coastal per $1K
0.01
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 95540: frequently asked questions
- What is the median home value in ZIP Code 95540?
- The median home value in ZIP Code 95540 is $389,500, higher than 80% of U.S. ZIP codes.
- How much is property tax in ZIP Code 95540?
- The median annual property tax in ZIP Code 95540 is $3,028, an effective rate of 1% of home value.
- Is ZIP Code 95540 expensive to live in?
- Homes in ZIP Code 95540 cost about 6.12× the median household income, higher than 92% of U.S. ZIP codes.
- What is the average rent in ZIP Code 95540?
- The median gross rent in ZIP Code 95540 is $1,178 a month, higher than 71% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 95540?
- Home prices in ZIP Code 95540 have moved 36% over the past five years (-0.64% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 95540?
- ZIP Code 95540 averages 55.6°F year-round, summer highs near 69.6°F, winter lows around 42.3°F (NOAA 1991–2020 normals). It sees about 0.7 inches of snow a year.
- Is ZIP Code 95540 at risk of flooding or natural disasters?
- ZIP Code 95540's FEMA National Risk Index score is 96.6 (higher than 95% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Expected annual loss from flooding is 0.01 per $1,000 of building value.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →