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ZIP 04094 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04094

Median Home Value
$437,500
Median Rent
$1,169
Affordability Snapshot
$120,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,810/mo PITI).

14%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.2 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 04094, a household would need roughly $120,000 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 $2,810. That is about 24% above the local median household income ($97,143), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
41.5%-16% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$437,500
Home Value
$1,169
Rent
1986
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached91.0%
  • 1-unit attached0.8%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$437,500
Median rent$1,169
Owner-occupied87.5%
Vacant2.7%
Price-to-income4.5x
Est. income to buy$120,000