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Pacifica city, CA

ZIP 94044 — 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 94044

Median Home Value
$1,211,700
Median Rent
$2,864
Affordability Snapshot
$334,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,784/mo PITI).

22%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

35.3 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 94044 in Pacifica city, CA, a household would need roughly $334,000 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 $7,784. That is about 113% above the local median household income ($156,658), 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
68.5%+5% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
31.2%-37% vs US avg
x
Mortgage-Free
31.9%-17% vs US avg
x
$1,211,700
Home Value
$2,864
Rent
1966
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached73.7%
  • 1-unit attached5.3%
  • 2-9 units9.1%
  • 10+ units10.4%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,211,700
Median rent$2,864
Owner-occupied68.5%
Vacant4.3%
Price-to-income7.7x
Est. income to buy$334,000