ZIP Code 95224 — Murphys, CA Home Prices (2026)

The typical home in ZIP 95224 (Murphys, California) is worth about $402,000 at roughly $315 per square foot — about the same as the Murphys median and 37% more expensive than the typical U.S. home.

$402,000

Typical home value

$315

Price per sq ft

#2 of 3

Murphys ZIPs by value

+0%

vs Murphys median

How 95224 compares

ZIP 95224 is a mid-priced ZIP code for Murphys: its typical home value of $402,000 ranks #2 of the 3 Murphys ZIP codes we track (the citywide range runs from $370,000 in 95233 to $508,000 in 95247). Per square foot it costs about $315, against $297 for Murphys as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95224	$402,000	$315
Murphys, CA	$402,000	$297
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95224

Using this ZIP’s rate of about $315 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$315,000
1,500 sq ft	$472,500
2,000 sq ft	$630,000
2,500 sq ft	$787,500
3,000 sq ft	$945,000

Salary needed to buy a home in ZIP 95224

To buy the typical $402,000 home in ZIP 95224 with 20% down, you need a household income of roughly $109,000 a year (about $2,550 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $130,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$20,100	$3,170/mo	$136,000/yr
10% (+PMI)	$40,200	$3,030/mo	$130,000/yr
20%	$80,400	$2,550/mo	$109,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 95224

At about $315 per square foot, here is roughly how much home different budgets get you in ZIP 95224:

Budget	Approx. size	What that looks like locally
$200k	630 sq ft	below the local median — condos, smaller or older homes
$250k	790 sq ft	below the local median — condos, smaller or older homes
$300k	950 sq ft	below the local median — condos, smaller or older homes
$400k	1270 sq ft	around the typical home here
$500k	1590 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95224 home.

Estimate a specific home in 95224

The estimator below is pre-set to ZIP 95224 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Murphys ZIP codes by home value

Where 95224 sits among Murphys’s 3 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	95247	$508,000	$297
2	95224 (this page)	$402,000	$315
3	95233	$370,000	$254

ZIP 95224 home prices: frequently asked

What is the average home price in ZIP code 95224? +

The typical home in ZIP 95224 (Murphys, CA) is worth about $402,000 as of 2026. That is about the same as the Murphys median of $402,000 and 37% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95224? +

About $315 per square foot in 95224, versus $297 across Murphys and $455 across California. At that rate a 1,500 sq ft home runs roughly $472,500 and a 2,500 sq ft home about $787,500.

What salary do you need to buy a house in ZIP 95224? +

For the typical $402,000 home in ZIP 95224, a household income of about $109,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $130,000; with 5% down about $136,000.

Is 95224 an expensive ZIP code? +

Within Murphys, 95224 ranks #2 of 3 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Murphys. Nationally it is relatively expensive.

See the full Murphys home values page, all California cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.