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Cotati city, CA

ZIP 94931 — 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 94931

Median Home Value
$788,200
Median Rent
$1,696
Affordability Snapshot
$217,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,063/mo PITI).

20%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

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

38.7 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 94931 in Cotati city, CA, a household would need roughly $217,000 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 $5,063. That is about 110% above the local median household income ($103,105), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.2%-8% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
22.3%-42% vs US avg
x
$788,200
Home Value
$1,696
Rent
1983
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 detached62.4%
  • 1-unit attached9.6%
  • 2-9 units16.9%
  • 10+ units9.3%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$788,200
Median rent$1,696
Owner-occupied60.2%
Vacant3.0%
Price-to-income7.6x
Est. income to buy$217,000