US5.com
  1. Home
  2. States
  3. California
  4. ZIP 90401
  5. Housing & Real Estate
Santa Monica city, CA

ZIP 90401 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 90401

Median Home Value
$1,129,700
Median Rent
$2,470
Affordability Snapshot
$311,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,257/mo PITI).

28%
Rent-to-Income Ratio

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

10.6x
Home Price-to-Income Ratio

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

38.1 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 90401 in Santa Monica city, CA, a household would need roughly $311,000 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 $7,257. That is about 191% above the local median household income ($106,704), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
4.8%-93% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
89.6%+3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
48.7%+28% vs US avg
x
$1,129,700
Home Value
$2,470
Rent
1987
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 detached2.2%
  • 1-unit attached0.3%
  • 2-9 units14.7%
  • 10+ units82.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,129,700
Median rent$2,470
Owner-occupied4.8%
Vacant14.5%
Price-to-income10.6x
Est. income to buy$311,000