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Lucerne Valley CDP, CA

ZIP 92356 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92356

Median Home Value
$239,100
Median Rent
$866
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,536/mo PITI).

22%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

23.0 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 92356 in Lucerne Valley CDP, CA, a household would need roughly $66,000 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 $1,536. That is about 42% above the local median household income ($46,625), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
21.3%+106% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.8%-12% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$239,100
Home Value
$866
Rent
1971
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached80.7%
  • 1-unit attached0.2%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other18.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,100
Median rent$866
Owner-occupied67.3%
Vacant21.3%
Price-to-income5.1x
Est. income to buy$66,000