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ZIP 89036 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89036

Median Home Value
$223,200
Median Rent
$823
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,434/mo PITI).

38%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

22.6 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 89036, a household would need roughly $61,000 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 $1,434. That is about 133% above the local median household income ($26,227), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
16.5%-75% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
64.7%-26% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
41.0%-18% vs US avg
x
Mortgage-Free
56.0%+46% vs US avg
x
$223,200
Home Value
$823
Rent
1984
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached29.8%
  • 1-unit attached3.1%
  • 2-9 units38.3%
  • 10+ units25.3%
  • Mobile home & other3.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,200
Median rent$823
Owner-occupied16.5%
Vacant14.1%
Price-to-income8.5x
Est. income to buy$61,000