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Richmond city, CA

ZIP 94801 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94801

Median Home Value
$593,500
Median Rent
$1,439
Affordability Snapshot
$163,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,812/mo PITI).

23%
Rent-to-Income Ratio

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

7.8x
Home Price-to-Income Ratio

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

34.4 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 94801 in Richmond city, CA, a household would need roughly $163,000 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 $3,812. That is about 115% above the local median household income ($75,786), 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
46.5%-29% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
17.5%+37% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
31.3%-18% vs US avg
x
$593,500
Home Value
$1,439
Rent
1965
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached54.7%
  • 1-unit attached11.8%
  • 2-9 units16.7%
  • 10+ units16.6%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$593,500
Median rent$1,439
Owner-occupied46.5%
Vacant5.4%
Price-to-income7.8x
Est. income to buy$163,000