B+

Capay, CA

Source:

Affordability Score: 76/100

Population: 431 · 1 ZIP codes

The affordability dashboard for Capay, CA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 431 residents, then layers in county-level federal data to produce an overall grade of B+ (76/100). The headline inputs are median household income of $149,236, median home value of $495,000, median rent of per month, and 37.8% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $2,104 per month (studio $1,604, 1BR $1,615, 3BR $2,917, 4BR $3,178). Department of Labor data lists infant center-based childcare at $20,135 per year, consuming 13% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Capay, CA include income, rent. Unemployment currently reads 0.0% and poverty 0.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income A+
$149,236
Median household income
Education B-
37.8%
Bachelor's degree or higher
Housing C
3.3x
Home value $495,000 vs income
Commute N/A
N/A
Average commute time
Rent A
$2,104/mo
2BR fair market rent (17% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C
$20,135/yr
Center-based infant care (13% of income)

Income & Employment

Median Income
$149,236
▲ 141% vs national
Per Capita Income
$57,409
Unemployment Rate
0.0%
Poverty Rate
0.0%

Housing

Median Home Value
$495,000
▲ 80% vs national
Median Rent
Owner Occupied
78.9%
2BR Fair Market Rent
$2,104/mo
▲ 75% vs national

Fair Market Rents by Bedroom

Studio
$1,604
1BR
$1,615
2BR
$2,104
3BR
$2,917
4BR
$3,178

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
37.8%
▲ 8 ppt vs national
High School+
72.9%
Median Age
63.2
Avg. Commute

Childcare Costs

Infant (Center)
$20,135/yr
13% of income
Toddler (Center)
$13,779/yr
Preschool (Center)
$16,215/yr
School-Age (Center)
$12,828/yr

What This Means

Capay, CA receives an overall affordability grade of B+ (76/100), aggregated from 1 ZIP codes with a total population of 431. This area performs well in income and rent. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Capay, CA affordable?
Capay, CA receives an overall affordability grade of B+ (76/100) based on Census, HUD, FBI, and DOL data. Median household income is $149,236. Median home value is $495,000.
What is the cost of living in Capay?
Key cost metrics: 2BR fair market rent $2,104/mo. Infant childcare $20,135/yr. Median home value $495,000.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →