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Sarah Mitchell
Compass Real Estate · ZIP 95695
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95695 ZIP Code Housing Market
$522,500median sale price
What is the 95695 housing market like right now?
The median home sale price in ZIP code 95695 is $522,500, down 3.2% year-over-year. Homes sell in an average of 25 days with 38 active listings. The market is currently a balanced market. (Source: Redfin monthly MLS data, as of March 2026 — the most recent Redfin release; Redfin publishes each month's data on a ~6-week lag.)
Is the 95695 ZIP code a buyer's or seller's market?
ZIP code 95695 is currently a balanced market and homes selling in about 25 days. How we determine this →
What are the latest 95695 housing market stats?
| Metric | Value |
|---|---|
| Median sale price | $522,500 |
| Median list price | $519,000 |
| Year-over-year price change | -3.2% |
| Average days on market | 25 days |
| Active inventory | 38 listings |
| Sale-to-list price ratio | 99.1% |
| Market condition | Balanced market |
Source: Redfin · Updated monthly
The 95695 zip code, located in Monument Hills, CA, is currently classified as a balanced market. The median sale price stands at $522,500, representing a -3.2% change year over year. Homes in this area spend an average of 25 days on the market before going under contract. There are currently 38 active listings in the area, which influences how much negotiating power buyers and sellers have.
ZIP 95695 sits in the Monument Hills, CA area, roughly 2.4 miles from downtown Monument Hills. Because home prices are set street by street, this ZIP can move differently from Monument Hills's citywide averages. The figures below reflect 95695 specifically — drawn from Redfin transactions, U.S. Census data for its 37,702 residents, and Zillow value estimates.
Homes sold
70
Last 12 weeks
Days on market
25
Average pace
Active listings
38
Sale-to-list
99.1%
Below asking
Market trends
What is driving the 95695 housing market?
The 95695 real estate market is shaped by a combination of local demand, housing supply, and broader economic trends. As a balanced market, homes are selling at approximately 99.1% of their listed price.
Year-over-year price trends are one of the most important indicators for both homebuyers and investors. Prices in 95695 have declined -3.2% compared to last year, which may present opportunities for buyers looking to enter the market at a lower price point. For context, it's valuable to compare this trend against neighboring zip codes and the broader metro area to determine whether this performance is localized or part of a regional pattern.
The Zillow Home Value Index (ZHVI) for 95695 stands at $520,597, which represents Zillow's estimate of the typical home value in the area. The Zillow Observed Rent Index (ZORI) indicates typical rents of $1,996 per month. This gives a price-to-rent ratio of approximately 21.7, which indicates that renting may be more cost-effective than buying in the short term, though long-term appreciation could shift that calculus. Use our mortgage calculator to estimate monthly payments based on current home values and interest rates.
Who lives in 95695?
Population
37,702
Median income
$79,486/yr
Median age
37.9 years
Owner-occupied
54.5%
College grads
27.2%
Avg commute
26.8 min
What is it like living in 95695?
Zip code 95695 is home to approximately 37,702 residents. The median household income is $79,486 per year, which shapes the types of homes and amenities available in the area. With a median age of 37.9 years, the community's age profile influences everything from school enrollment to local business types and recreational offerings. Approximately 54.5% of housing units are owner-occupied, showing a healthy mix of homeowners and renters that contributes to a diverse community.
About 27.2% of residents hold a bachelor's degree or higher, which often correlates with access to knowledge-economy jobs and higher earning potential in the area. The average commute time is 26.8 minutes, which is close to the national average. These demographic factors, combined with the market data above, help paint a complete picture of what it's like to live and own property in 95695.
Frequently asked questions about 95695
What is the median home price in 95695?
The current median sale price in 95695 is $522,500, based on recent Redfin transaction data. Prices have changed -3.2% compared to last year. For the most up-to-date pricing and to see how this compares to nearby areas, use our comparison tool.
Is 95695 a buyer's or seller's market?
The 95695 zip code is currently classified as a balanced market. This assessment is based on key indicators including months of supply, sale-to-list price ratios, and average days on market.
What is the population of zip code 95695?
Zip code 95695 has a population of approximately 37,702 residents. The median household income is $79,486 per year. About 54.5% of homes are owner-occupied. This data is sourced from the U.S. Census Bureau and is updated annually.
How do I research neighborhoods in 95695?
Properties Incorporated provides comprehensive data for 95695 including median home prices, price history charts, days on market, active inventory, and Census Bureau demographics. To compare this area with other zip codes or cities, use our comparison tool. For mortgage planning, our mortgage calculator estimates monthly payments based on current prices and interest rates.
How often is the data for 95695 updated?
Market data on Properties Incorporated is updated regularly as new information becomes available. Redfin sales data is typically refreshed monthly, Zillow home value and rent estimates update monthly, and Census Bureau demographics are updated annually.
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