ZIP Code 95301

In ZIP 95301, which takes in Merced, homes carry a median value of $390,900 while households bring in a median of $68,349 a year — a ratio that puts buying a house here well beyond what most local paychecks can carry outright. The county's 0.67% effective property tax rate works out to roughly $2,619 annually on a median-valued home, a sum that eats into earnings already stretched by the 8.75% combined sales tax. Per-capita income sits at $32,303, underscoring how steep the climb to ownership remains for many in this part of the Central Valley.