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Newport Beach city, CA

ZIP 92657 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92657

Median Home Value
$2,000,001
Median Rent
$3,439
Affordability Snapshot
$551,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,847/mo PITI).

20%
Rent-to-Income Ratio

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

9.9x
Home Price-to-Income Ratio

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

48.5 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 92657 in Newport Beach city, CA, a household would need roughly $551,000 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 $12,847. That is about 172% above the local median household income ($202,813), 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
71.5%+9% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
19.4%+31% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
35.3%-8% vs US avg
x
$2,000,001
Home Value
$3,439
Rent
1998
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 detached66.9%
  • 1-unit attached13.9%
  • 2-9 units4.5%
  • 10+ units14.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$2,000,001
Median rent$3,439
Owner-occupied71.5%
Vacant12.5%
Price-to-income9.9x
Est. income to buy$551,000