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Spring Valley CDP, CA

ZIP 91978 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 91978

Median Home Value
$597,300
Median Rent
$2,089
Affordability Snapshot
$164,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,837/mo PITI).

22%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

23.8 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 91978 in Spring Valley CDP, CA, a household would need roughly $164,000 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 $3,837. That is about 47% above the local median household income ($111,506), 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
65.8%+1% vs US avg
x
Vacancy Rate
2.2%-79% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
37.6%-2% vs US avg
x
$597,300
Home Value
$2,089
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached49.4%
  • 1-unit attached2.7%
  • 2-9 units13.6%
  • 10+ units11.7%
  • Mobile home & other22.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$597,300
Median rent$2,089
Owner-occupied65.8%
Vacant2.2%
Price-to-income5.4x
Est. income to buy$164,000