US5.com
  1. Home
  2. States
  3. ZIP 89432
  4. Housing & Real Estate
,

ZIP 89432 — 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 89432

Median Home Value
$334,100
Median Rent
$1,135
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,146/mo PITI).

26%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

24.5 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 89432, a household would need roughly $92,000 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 $2,146. That is about 78% above the local median household income ($51,542), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
36.8%-44% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
24.3%-36% vs US avg
x
$334,100
Home Value
$1,135
Rent
1974
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 detached22.2%
  • 1-unit attached4.4%
  • 2-9 units43.0%
  • 10+ units25.3%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$334,100
Median rent$1,135
Owner-occupied36.8%
Vacant19.8%
Price-to-income6.5x
Est. income to buy$92,000