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Dillon Beach CDP, CA

ZIP 94971 — 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 94971

Median Home Value
$880,000
Median Rent
N/A
Affordability Snapshot
$242,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,653/mo PITI).

8.0x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 94971 in Dillon Beach CDP, CA, a household would need roughly $242,000 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 $5,653. That is about 121% above the local median household income ($109,375), 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

Vacancy rate 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.1%+16% vs US avg
x
Vacancy Rate
50.3%+388% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
38.6%+1% vs US avg
x
$880,000
Home Value
N/A
Rent
1970
Year Built
1995
Moved In

Residents have lived here since ~1995 on average

Housing Structure

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

  • 1-unit detached68.1%
  • 1-unit attached0.0%
  • 2-9 units10.8%
  • 10+ units0.0%
  • Mobile home & other21.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$880,000
Median rent$-666,666,666
Owner-occupied76.1%
Vacant50.3%
Price-to-income8.0x
Est. income to buy$242,000