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St. Helena city, CA

ZIP 94574 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94574

Median Home Value
$1,876,500
Median Rent
$1,745
Affordability Snapshot
$517,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,054/mo PITI).

15%
Rent-to-Income Ratio

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

13.4x
Home Price-to-Income Ratio

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

89.6 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 94574 in St. Helena city, CA, a household would need roughly $517,000 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 $12,054. That is about 270% above the local median household income ($139,779), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.5%+2% vs US avg
x
Vacancy Rate
19.9%+93% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$1,876,500
Home Value
$1,745
Rent
1972
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 detached75.5%
  • 1-unit attached3.9%
  • 2-9 units6.8%
  • 10+ units8.4%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,876,500
Median rent$1,745
Owner-occupied66.5%
Vacant19.9%
Price-to-income13.4x
Est. income to buy$517,000