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ZIP 05054
Housing & Real Estate

ZIP 05054 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05054

Median Home Value

$307,100

Median Rent

$1,250

Affordability Snapshot

$85,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,973/mo PITI).

17%

Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.5 yrs

Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 05054, a household would need roughly $85,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,973. That is roughly in line with the local median household income ($87,330). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel

Housing Metrics

Owner Occupied

88.9%+36% vs US avg

Vacancy Rate

8.1%-21% vs US avg

Broadband Access

93.8%+8% vs US avg

4+ Bedrooms

4.8%-68% vs US avg

Built Pre-1939

5.0%-61% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

9.7%-80% vs US avg

Mortgage-Free

34.1%-11% vs US avg

$307,100

Home Value

$1,250

Rent

1979

Year Built

2007

Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

1-unit detached90.6%
1-unit attached0.1%
2-9 units6.6%
10+ units0.0%
Mobile home & other2.6%

ZIP 05054 — Housing & Real Estate

Housing & Real Estate in ZIP Code 05054

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