Median home value in zip code 95322 (Gustine, CA) is $416,211, down 3.2% year over year. Part of the Merced, CA metropolitan area.

Home Value$416,211

YoY Change

-3.2%

Prices falling — better for buyers.

Affordability

Enter your income for 95322 (Gustine).

Income (annual)

Down Payment

$83,242 on $416,211

Example: $75,000 household income. Change it above to see your own.

Out of reach40% of income

Need $107,186/yr to afford.

PITI$2,501

P/I40%

Afford$291K

Gap-$125K

P&I $2,105Tax $246Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

95322 is part of the Merced, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Merced, CA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.