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ZIP 89157
Housing & Real Estate

ZIP 89157 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89157

Median Home Value

$315,900

Median Rent

$1,153

Affordability Snapshot

$87,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,029/mo PITI).

28%

Rent-to-Income Ratio

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

6.3x

Home Price-to-Income Ratio

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

22.8 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 89157, a household would need roughly $87,000 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 $2,029. That is about 74% above the local median household income ($50,063), 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

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

30.3%-54% vs US avg

Vacancy Rate

0.0%

Broadband Access

89.7%+3% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

0.0%

Built Post-2014

1.4%-79% vs US avg

Rent Burden >30%

34.4%-31% vs US avg

Mortgage-Free

26.5%-31% vs US avg

$315,900

Home Value

$1,153

Rent

1996

Year Built

2017

Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

1-unit detached20.8%
1-unit attached19.0%
2-9 units44.4%
10+ units13.4%
Mobile home & other2.4%

ZIP 89157 — Housing & Real Estate

Housing & Real Estate in ZIP Code 89157

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