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Huntington Beach city, CA

ZIP 92646 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92646

Median Home Value
$1,031,700
Median Rent
$2,418
Affordability Snapshot
$284,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,627/mo PITI).

22%
Rent-to-Income Ratio

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

7.8x
Home Price-to-Income Ratio

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

35.6 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 92646 in Huntington Beach city, CA, a household would need roughly $284,000 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 $6,627. That is about 114% above the local median household income ($132,841), 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
75.0%+15% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
32.0%-16% vs US avg
x
$1,031,700
Home Value
$2,418
Rent
1970
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached61.0%
  • 1-unit attached15.2%
  • 2-9 units11.6%
  • 10+ units7.5%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,031,700
Median rent$2,418
Owner-occupied75.0%
Vacant3.5%
Price-to-income7.8x
Est. income to buy$284,000