US5.com
  1. Home
  2. States
  3. California
  4. ZIP 90040
  5. Housing & Real Estate
Commerce city, CA

ZIP 90040 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 90040

Median Home Value
$576,900
Median Rent
$1,270
Affordability Snapshot
$159,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,706/mo PITI).

21%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

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

37.9 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 90040 in Commerce city, CA, a household would need roughly $159,000 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 $3,706. That is about 124% above the local median household income ($70,909), 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
54.1%-17% vs US avg
x
Vacancy Rate
0.9%-91% vs US avg
x
Broadband Access
83.6%-4% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
19.7%+54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.0%-28% vs US avg
x
Mortgage-Free
37.4%-2% vs US avg
x
$576,900
Home Value
$1,270
Rent
1959
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached60.8%
  • 1-unit attached10.8%
  • 2-9 units15.2%
  • 10+ units12.8%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$576,900
Median rent$1,270
Owner-occupied54.1%
Vacant0.9%
Price-to-income8.1x
Est. income to buy$159,000