US5.com
  1. Home
  2. States
  3. California
  4. ZIP 94601
  5. Housing & Real Estate
Oakland city, CA

ZIP 94601 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94601

Median Home Value
$703,100
Median Rent
$1,476
Affordability Snapshot
$194,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,517/mo PITI).

27%
Rent-to-Income Ratio

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

10.5x
Home Price-to-Income Ratio

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

39.7 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 94601 in Oakland city, CA, a household would need roughly $194,000 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 $4,517. That is about 191% above the local median household income ($66,651), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
34.5%-47% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
83.6%-4% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
10.6%-17% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
33.2%-33% vs US avg
x
Mortgage-Free
30.9%-19% vs US avg
x
$703,100
Home Value
$1,476
Rent
1949
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 detached40.2%
  • 1-unit attached6.9%
  • 2-9 units32.5%
  • 10+ units19.7%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$703,100
Median rent$1,476
Owner-occupied34.5%
Vacant5.8%
Price-to-income10.5x
Est. income to buy$194,000