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Novato city, CA

ZIP 94949 — 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 94949

Median Home Value
$1,075,600
Median Rent
$2,395
Affordability Snapshot
$296,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,909/mo PITI).

25%
Rent-to-Income Ratio

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

9.3x
Home Price-to-Income Ratio

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

37.4 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 94949 in Novato city, CA, a household would need roughly $296,000 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 $6,909. That is about 155% above the local median household income ($116,101), 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
62.4%-5% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
31.2%-37% vs US avg
x
Mortgage-Free
23.6%-38% vs US avg
x
$1,075,600
Home Value
$2,395
Rent
1979
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 detached48.0%
  • 1-unit attached14.3%
  • 2-9 units16.5%
  • 10+ units14.0%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,075,600
Median rent$2,395
Owner-occupied62.4%
Vacant4.2%
Price-to-income9.3x
Est. income to buy$296,000