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Richmond city, CA

ZIP 94804 — 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 94804

Median Home Value
$618,000
Median Rent
$1,599
Affordability Snapshot
$170,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,970/mo PITI).

22%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

32.2 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 94804 in Richmond city, CA, a household would need roughly $170,000 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 $3,970. That is about 97% above the local median household income ($86,430), 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

Historic housing stock (21% built before 1939)

Owner Occupied
48.6%-26% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
21.5%+68% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$618,000
Home Value
$1,599
Rent
1960
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 detached56.6%
  • 1-unit attached9.6%
  • 2-9 units21.9%
  • 10+ units11.4%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$618,000
Median rent$1,599
Owner-occupied48.6%
Vacant3.5%
Price-to-income7.2x
Est. income to buy$170,000