US5.com
  1. Home
  2. States
  3. ZIP 89505
  4. Housing & Real Estate
,

ZIP 89505 — 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 89505

Median Home Value
$396,500
Median Rent
$1,211
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,547/mo PITI).

31%
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.

27.3 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 89505, a household would need roughly $109,000 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 $2,547. That is about 134% above the local median household income ($46,627), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
33.5%-49% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
2.9%-58% vs US avg
x
Rent Burden >30%
39.4%-21% vs US avg
x
Mortgage-Free
55.4%+45% vs US avg
x
$396,500
Home Value
$1,211
Rent
1971
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 detached9.7%
  • 1-unit attached0.8%
  • 2-9 units6.2%
  • 10+ units83.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$396,500
Median rent$1,211
Owner-occupied33.5%
Vacant11.8%
Price-to-income8.5x
Est. income to buy$109,000