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ZIP 89125 — 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 89125

Median Home Value
$457,100
Median Rent
$888
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,936/mo PITI).

26%
Rent-to-Income Ratio

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

11.4x
Home Price-to-Income Ratio

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

42.9 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 89125, a household would need roughly $126,000 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 $2,936. That is about 213% above the local median household income ($40,239), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
17.1%-74% vs US avg
x
Vacancy Rate
34.1%+232% vs US avg
x
Broadband Access
69.8%-20% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
31.0%-38% vs US avg
x
Mortgage-Free
23.9%-37% vs US avg
x
$457,100
Home Value
$888
Rent
2002
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached2.1%
  • 1-unit attached3.9%
  • 2-9 units6.3%
  • 10+ units82.3%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$457,100
Median rent$888
Owner-occupied17.1%
Vacant34.1%
Price-to-income11.4x
Est. income to buy$126,000