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Cayucos CDP, CA

ZIP 93430 — 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 93430

Median Home Value
$965,100
Median Rent
$1,379
Affordability Snapshot
$266,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,200/mo PITI).

19%
Rent-to-Income Ratio

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

11.2x
Home Price-to-Income Ratio

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

58.3 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 93430 in Cayucos CDP, CA, a household would need roughly $266,000 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 $6,200. That is about 208% above the local median household income ($86,354), 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 41% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.9%-8% vs US avg
x
Vacancy Rate
41.3%+301% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
52.7%+38% vs US avg
x
$965,100
Home Value
$1,379
Rent
1974
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 detached81.1%
  • 1-unit attached1.0%
  • 2-9 units13.4%
  • 10+ units0.3%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$965,100
Median rent$1,379
Owner-occupied59.9%
Vacant41.3%
Price-to-income11.2x
Est. income to buy$266,000