US5.com
  1. Home
  2. States
  3. California
  4. ZIP 94549
  5. Housing & Real Estate
Lafayette city, CA

ZIP 94549 — 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 94549

Median Home Value
$1,968,500
Median Rent
$2,764
Affordability Snapshot
$542,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,645/mo PITI).

14%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

59.3 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 94549 in Lafayette city, CA, a household would need roughly $542,000 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 $12,645. That is about 134% above the local median household income ($231,195), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+20% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
12.6%-15% vs US avg
x
Built Pre-1939
12.8%+0% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
16.1%-68% vs US avg
x
Mortgage-Free
28.5%-25% vs US avg
x
$1,968,500
Home Value
$2,764
Rent
1962
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached77.6%
  • 1-unit attached4.6%
  • 2-9 units7.6%
  • 10+ units9.7%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,968,500
Median rent$2,764
Owner-occupied78.8%
Vacant4.5%
Price-to-income8.5x
Est. income to buy$542,000