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Learn about the people, housing, costs and businesses in 95812
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 95812.
True all-in cost — P&I, taxes, insurance & utilities for homes in 95812.
Find and compare lenders active near 95812.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 95812 is approximately 6.911% (6.948% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 95812Home values in ZIP code 95812 have increased 2.9% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $392/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $17k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 95812 is $17k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 95812 are healthcare (30%) and arts, food, and hospitality (23%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
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