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ZIP 93421 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93421

Median Home Value
$969,700
Median Rent
$2,334
Affordability Snapshot
$267,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,229/mo PITI).

21%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

34.6 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 93421, a household would need roughly $267,000 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 $6,229. That is about 103% above the local median household income ($131,531), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.6%+13% vs US avg
x
Vacancy Rate
8.1%-22% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.3%-97% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
14.0%-72% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$969,700
Home Value
$2,334
Rent
1985
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached4.1%
  • 2-9 units3.4%
  • 10+ units2.5%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$969,700
Median rent$2,334
Owner-occupied73.6%
Vacant8.1%
Price-to-income7.4x
Est. income to buy$267,000