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ZIP 93120 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93120

Median Home Value
$1,120,000
Median Rent
$1,661
Affordability Snapshot
$308,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,195/mo PITI).

39%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

21.8x
Home Price-to-Income Ratio

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

56.2 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 93120, a household would need roughly $308,000 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 $7,195. That is about 498% above the local median household income ($51,493), 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
13.0%-80% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
34.2%-10% vs US avg
x
$1,120,000
Home Value
$1,661
Rent
1970
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached11.1%
  • 1-unit attached6.4%
  • 2-9 units55.6%
  • 10+ units26.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,120,000
Median rent$1,661
Owner-occupied13.0%
Vacant4.5%
Price-to-income21.8x
Est. income to buy$308,000