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Cambria CDP, CA

ZIP 93428 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93428

Median Home Value
$869,600
Median Rent
$1,812
Affordability Snapshot
$239,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,586/mo PITI).

24%
Rent-to-Income Ratio

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

9.7x
Home Price-to-Income Ratio

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

40.0 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 93428 in Cambria CDP, CA, a household would need roughly $239,000 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 $5,586. That is about 168% above the local median household income ($89,225), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.6%+19% vs US avg
x
Vacancy Rate
30.6%+198% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
36.9%-26% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$869,600
Home Value
$1,812
Rent
1984
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 detached91.8%
  • 1-unit attached1.7%
  • 2-9 units5.4%
  • 10+ units0.3%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$869,600
Median rent$1,812
Owner-occupied77.6%
Vacant30.6%
Price-to-income9.7x
Est. income to buy$239,000