ZIP Code · CA

ZIP 95945

Part of Grass Valley, CA

Pop. 27,470·Nevada County·797th most expensive ZIP in California

Median rent (all units)

$2,022/mo

Year-over-Year

-1.3%

Month-over-Month

-0.1%

vs US Median

+$90

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 95945 · $2,022

More expensive than 63% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,220

1 BR

$1,230

2 BR

$1,610

3 BR

$2,260

4 BR+

$2,700

Research median

$1,610/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 95945 is 1.5% below its high of $2,052 in July 2026, at $2,022 as of September 2026.

Past year vs. the rest of California

Rent in ZIP 95945 changed -1.3% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has fallen 2 months in a row, and rose in 5 of the last 12 months.

What a typical income covers

30% of the median household income ($65,989) is $1,650 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,610); a 3-bedroom is $2,260.

From Zillow's monthly rent index (ZORI) for ZIP 95945. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,264/yr

At $2,022/mo median

Location

CityGrass Valley

StateCA

CountyNevada County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (-1.3% YoY, -0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 95945 (Grass Valley, CA) is majority owner-occupied, has a large retiree population, has a median income below the national average, 35.3% of residents hold a bachelor's degree or higher.

Population

27,470

Median income

$65,989

Median age

49.5

Renters

42.2%

Age distribution

18.3%

15.8%

22.9%

31.4%

Under 1818.3%

18–3415.8%

35–5422.9%

55–6411.7%

65+31.4%

Gender

48.1%

51.9%

Male48.1%

Female51.9%

Race & ethnicity

83.6%

White83.6%

Hispanic10.9%

Asian0.9%

Other4.4%

Education (25+)

22.5%

36%

35.3%

No HS diploma6.2%

HS diploma22.5%

Some college36%

Bachelor's+35.3%

Housing tenure

57.8%

42.2%

Owner57.8%

Renter42.2%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 95945 in Grass Valley, CA has changed in 5 years

Rent

$1,807 → $2,022

up 11.9%

Income

$54,469 → $65,989

up 21.1%

Population

27,188 → 27,470

up 1.0%

Renter share

41.8% → 42.2%

+0.4 pts

Bachelor's+

31.1% → 35.3%

+4.2 pts

Median age

48.3 → 49.5

+1.2 yrs

The median rent in ZIP 95945 in Grass Valley, CA stood at $1,807 in 2023 and currently runs about $2,022, reflecting a 11.9% increase over the period. Median household income rose from $54,469 to $65,989 between 2021 and 2024, a 21.1% shift. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 1.0% since 2021, moving from about 27,188 residents to roughly 27,470. College-educated residents now make up 35.3% of adults here, versus 31.1% in 2021. Taken together, the five-year picture in ZIP 95945 in Grass Valley, CA reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 95945

Last updated: October 17, 2026

ZIP code 95945 covers Grass Valley, CA. The median rent here is $2,022/mo as of October 2026. A 1-bedroom rents for a median of $1,230/mo. A 2-bedroom rents for a median of $1,610/mo.

At 37% of local median household income ($65,989/yr), ZIP 95945 ranks as moderate compared to the national benchmark of 30%. Rents have decreased 1.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95945?

To keep rent at or below 30% of gross income, you would need to earn at least $81,000/year (about $39/hour full-time) to afford the median rent of $2,022/mo in ZIP 95945. The local median household income is $65,989/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 95945?

Rent in ZIP 95945 has fallen 1.3% over the past year as of September 2026. It sits 1.5% below its high of $2,052 in July 2026.

How does ZIP 95945 compare to other ZIPs in California?

ZIP 95945 is one of the more affordable among California ZIP codes for rent, ranking #797 of 898 at $2,022/mo. Over the year to September 2026, rent in ZIP 95945 changed -1.3%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.