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Oakland city, CA

ZIP 94705 — 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 94705

Median Home Value
$1,892,300
Median Rent
$2,280
Affordability Snapshot
$521,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,156/mo PITI).

17%
Rent-to-Income Ratio

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

11.6x
Home Price-to-Income Ratio

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

69.2 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 94705 in Oakland city, CA, a household would need roughly $521,000 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 $12,156. That is about 219% above the local median household income ($163,254), 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
59.0%-10% vs US avg
x
Vacancy Rate
8.1%-22% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$1,892,300
Home Value
$2,280
Rent
1938
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 detached57.3%
  • 1-unit attached2.8%
  • 2-9 units29.5%
  • 10+ units10.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,892,300
Median rent$2,280
Owner-occupied59.0%
Vacant8.1%
Price-to-income11.6x
Est. income to buy$521,000