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ZIP 89513 — 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 89513

Median Home Value
$439,100
Median Rent
$1,168
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,821/mo PITI).

17%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

31.3 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 89513, a household would need roughly $121,000 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 $2,821. That is about 43% above the local median household income ($84,809), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.8%+4% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
8.3%-44% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$439,100
Home Value
$1,168
Rent
1969
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached77.1%
  • 1-unit attached1.8%
  • 2-9 units12.2%
  • 10+ units8.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$439,100
Median rent$1,168
Owner-occupied67.8%
Vacant5.7%
Price-to-income5.2x
Est. income to buy$121,000