Lincoln, CA—95648
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lincoln, CA
As of Oct '25, the median home price in Lincoln, CA is $635,000, with a year-over-year change of -2.0%. This indicates that home prices in Lincoln, CA are decreasing. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $635,000 | -2.0% |
| Single Family | $637,000 | -2.3% |
| Condos | $414,000 | -2.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $445,000 | -2.8% |
2 Bed | $627,000 | -2.8% |
3 Bed | $569,000 | -2.1% |
4 Bed | $659,000 | -2.1% |
| 5 Bed | $759,000 | -2.4% |
% of Housing Stock
Rental Trends — Lincoln, CA
As of July '25, Rentcast reports the average rent in Lincoln, CA is $2,990, with a year-over-year rent change of 6.0%. Per bedroom, the median rent as of July '25 in Lincoln, CA is 2-bedrooms: $2,600, 3-bedrooms: $2,860, 4-bedrooms: $3,130. The most common rental property sizes in Lincoln, CA are 2-bedroom and 3-bedroom, accounting for 45.0% and 35.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,900 | $2,990 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,720 | $2,600 |
| 3 Bed Rent | $2,820 | $2,860 |
| 4 Bed Rent | $3,080 | $3,130 |
% of Rental Stock
Property Listings — Lincoln, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Lincoln, CA is 49. This is a increase of 12.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $640,000 | 0.0% |
Listing Count | 325 | 7.0% |
| Listings as % of Homes | 0.8% | 7.0% |
Days on Market | 49 | 12.0% |
Demographics — Lincoln, CA
As of the latest ACS Survey released in 2023, Lincoln, CA has a population of 56,600, which has increased by 8.0% over the past 5 years. Lincoln, CA is a moderately popular place for families, as children make up 23.5% of the population. The area has a moderately educated workforce, with 37.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 56,600 | 8.0% |
% Under 18 | 23.5% | 3.1% |
% Seniors | 26.8% | 3.5% |
% WFH | 18.6% | 109.0% |
% w/ College Degree | 37.6% | 16.0% |
As of the latest ACS Survey released in 2023, Lincoln, CA is a predominantly white area, with 67.0% of the population identifying as white. The white population has shrunk by 3.9% in the last 5 years. The second most common race or ethnicity in Lincoln, CA is hispanic, making up 18.3% of the population. Foreign-born residents account for 11.1% of the population in Lincoln, CA, and this percentage has decreased by 13.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 67.0% | -3.9% |
% Black | 1.6% | -11.1% |
% Hispanic | 18.3% | -5.2% |
% Asian | 6.7% | 9.8% |
% Foreign Born | 11.1% | -13.3% |
Mortgage and Risk — Lincoln, CA
According to HUD data as of 2023, there were 1398 mortgage originations in Lincoln, CA, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Lincoln, CA. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,398 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Lincoln, CA
Lincoln, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 119 |
Total Units Section 8 | 119 |
% Rentals under Section 8 | 3.4% |
% Occupied Section 8 | 83.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,260 |
| 2 Bedroom | $80 | $2,720 | $2,800 |
| 3 Bedroom | $980 | $2,820 | $3,800 |
| 4 Bedroom | $1,300 | $3,080 | $4,380 |
Affordability — Lincoln, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6 |
| Median Home Price | $635,000 |
| Median Household Income | $108,000 |