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Hayward city, CA

ZIP 94545 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94545

Median Home Value
$838,800
Median Rent
$2,259
Affordability Snapshot
$231,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,388/mo PITI).

24%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

30.9 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 94545 in Hayward city, CA, a household would need roughly $231,000 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 $5,388. That is about 100% above the local median household income ($115,258), 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
69.8%+7% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
27.0%-29% vs US avg
x
$838,800
Home Value
$2,259
Rent
1972
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 detached61.6%
  • 1-unit attached11.9%
  • 2-9 units5.5%
  • 10+ units15.3%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$838,800
Median rent$2,259
Owner-occupied69.8%
Vacant3.3%
Price-to-income7.3x
Est. income to buy$231,000