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Carson city, CA

ZIP 90746 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 90746

Median Home Value
$682,000
Median Rent
$2,585
Affordability Snapshot
$188,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,381/mo PITI).

27%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

22.0 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 90746 in Carson city, CA, a household would need roughly $188,000 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 $4,381. That is about 66% above the local median household income ($113,545), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.5%+29% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
33.1%-33% vs US avg
x
Mortgage-Free
31.9%-16% vs US avg
x
$682,000
Home Value
$2,585
Rent
1967
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached82.5%
  • 1-unit attached4.4%
  • 2-9 units1.8%
  • 10+ units1.7%
  • Mobile home & other9.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$682,000
Median rent$2,585
Owner-occupied84.5%
Vacant2.3%
Price-to-income6.0x
Est. income to buy$188,000