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Walnut Creek city, CA

ZIP 94595 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94595

Median Home Value
$816,600
Median Rent
$2,476
Affordability Snapshot
$225,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,246/mo PITI).

30%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.3x
Home Price-to-Income Ratio

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

27.5 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 94595 in Walnut Creek city, CA, a household would need roughly $225,000 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 $5,246. That is about 129% above the local median household income ($98,108), 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
81.6%+25% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.0%-38% vs US avg
x
Mortgage-Free
57.4%+50% vs US avg
x
$816,600
Home Value
$2,476
Rent
1970
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 detached28.0%
  • 1-unit attached12.8%
  • 2-9 units35.9%
  • 10+ units23.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$816,600
Median rent$2,476
Owner-occupied81.6%
Vacant5.0%
Price-to-income8.3x
Est. income to buy$225,000