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ZIP 89407
Housing & Real Estate

ZIP 89407 — 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 89407

Median Home Value

$224,605

Median Rent

$957

Affordability Snapshot

$62,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,443/mo PITI).

19%

Rent-to-Income Ratio

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

3.7x

Home Price-to-Income Ratio

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

19.6 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 89407, a household would need roughly $62,000 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 $1,443. That is roughly in line with the local median household income ($60,528). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

48.4%-26% vs US avg

Vacancy Rate

12.5%+21% vs US avg

Broadband Access

89.8%+3% vs US avg

4+ Bedrooms

1.4%-90% vs US avg

Built Pre-1939

4.2%-68% vs US avg

Built Post-2014

0.6%-92% vs US avg

Rent Burden >30%

17.9%-64% vs US avg

Mortgage-Free

51.4%+35% vs US avg

$224,605

Home Value

$957

Rent

1983

Year Built

2015

Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

1-unit detached59.3%
1-unit attached4.2%
2-9 units22.5%
10+ units4.2%
Mobile home & other9.9%

ZIP 89407 — Housing & Real Estate

Housing & Real Estate in ZIP Code 89407

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