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ZIP 89028
Housing & Real Estate

ZIP 89028 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89028

Median Home Value

$155,400

Median Rent

$890

Affordability Snapshot

$43,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$998/mo PITI).

28%

Rent-to-Income Ratio

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

4.0x

Home Price-to-Income Ratio

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

14.6 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 89028, a household would need roughly $43,000 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 $998. That is roughly in line with the local median household income ($38,432). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

33.8%-48% vs US avg

Vacancy Rate

25.1%+143% vs US avg

Broadband Access

75.7%-13% vs US avg

4+ Bedrooms

1.4%-91% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

27.7%-44% vs US avg

Mortgage-Free

58.0%+52% vs US avg

$155,400

Home Value

$890

Rent

1988

Year Built

2018

Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

1-unit detached17.3%
1-unit attached0.7%
2-9 units31.1%
10+ units44.9%
Mobile home & other5.9%

ZIP 89028 — Housing & Real Estate

Housing & Real Estate in ZIP Code 89028

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