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Carson city, CA

ZIP 90745 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 90745

Median Home Value
$628,400
Median Rent
$1,745
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,037/mo PITI).

20%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

30.0 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 90745 in Carson city, CA, a household would need roughly $173,000 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 $4,037. That is about 63% above the local median household income ($106,457), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$628,400
Home Value
$1,745
Rent
1965
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached65.0%
  • 1-unit attached8.7%
  • 2-9 units5.5%
  • 10+ units12.1%
  • Mobile home & other8.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$628,400
Median rent$1,745
Owner-occupied68.5%
Vacant6.2%
Price-to-income5.9x
Est. income to buy$173,000