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San Rafael city, CA

ZIP 94901 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94901

Median Home Value
$1,369,500
Median Rent
$2,109
Affordability Snapshot
$377,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,797/mo PITI).

23%
Rent-to-Income Ratio

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

12.6x
Home Price-to-Income Ratio

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

54.1 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 94901 in San Rafael city, CA, a household would need roughly $377,000 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 $8,797. That is about 246% above the local median household income ($108,837), 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
49.9%-24% vs US avg
x
Vacancy Rate
4.6%-56% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.3%-41% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$1,369,500
Home Value
$2,109
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 detached50.0%
  • 1-unit attached9.3%
  • 2-9 units22.7%
  • 10+ units17.5%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,369,500
Median rent$2,109
Owner-occupied49.9%
Vacant4.6%
Price-to-income12.6x
Est. income to buy$377,000