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Discovery Bay CDP, CA

ZIP 94505 — 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 94505

Median Home Value
$787,500
Median Rent
$2,667
Affordability Snapshot
$217,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,059/mo PITI).

21%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

24.6 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 94505 in Discovery Bay CDP, CA, a household would need roughly $217,000 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 $5,059. That is about 41% above the local median household income ($154,063), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.7%+36% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
11.5%-22% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
35.4%-29% vs US avg
x
Mortgage-Free
23.8%-38% vs US avg
x
$787,500
Home Value
$2,667
Rent
1995
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached91.8%
  • 1-unit attached6.8%
  • 2-9 units0.1%
  • 10+ units1.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$787,500
Median rent$2,667
Owner-occupied88.7%
Vacant10.0%
Price-to-income5.1x
Est. income to buy$217,000