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ZIP 89435
Housing & Real Estate

ZIP 89435 — Housing & Real Estate

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

Upper Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89435

Median Home Value

$419,600

Median Rent

$1,886

Affordability Snapshot

$115,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,695/mo PITI).

22%

Rent-to-Income Ratio

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

4.1x

Home Price-to-Income Ratio

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

18.5 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 89435, a household would need roughly $115,000 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 $2,695. That is roughly in line with the local median household income ($101,445). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel

Housing Metrics

Owner Occupied

65.0%-1% vs US avg

Vacancy Rate

9.8%-5% vs US avg

Broadband Access

92.7%+7% vs US avg

4+ Bedrooms

1.1%-92% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

40.2%-19% vs US avg

Mortgage-Free

20.7%-46% vs US avg

$419,600

Home Value

$1,886

Rent

1987

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 detached65.9%
1-unit attached6.1%
2-9 units13.4%
10+ units14.1%
Mobile home & other0.5%

ZIP 89435 — Housing & Real Estate

Housing & Real Estate in ZIP Code 89435

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