Median home value in zip code 95369 (Merced, CA) is $459,685, up 1.7% year over year. Part of the Merced, CA metropolitan area.

Home Value$459,685

YoY Change

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 95369 (Merced).

Income (annual)

Down Payment

$91,937 on $459,685

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

Out of reach43.9% of income

Need $117,686/yr to afford.

PITI$2,746

P/I43.9%

Afford$293K

Gap-$167K

P&I $2,324Tax $272Ins $150

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

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

Metro Analysis

95369 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.