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Mira Monte CDP, CA

ZIP 93023 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93023

Median Home Value
$888,700
Median Rent
$1,695
Affordability Snapshot
$245,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,709/mo PITI).

25%
Rent-to-Income Ratio

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

10.8x
Home Price-to-Income Ratio

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

43.7 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 93023 in Mira Monte CDP, CA, a household would need roughly $245,000 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 $5,709. That is about 198% above the local median household income ($82,298), 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
73.5%+12% vs US avg
x
Vacancy Rate
8.8%-14% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
26.1%-47% vs US avg
x
Mortgage-Free
46.9%+23% vs US avg
x
$888,700
Home Value
$1,695
Rent
1971
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached4.8%
  • 2-9 units5.5%
  • 10+ units4.1%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$888,700
Median rent$1,695
Owner-occupied73.5%
Vacant8.8%
Price-to-income10.8x
Est. income to buy$245,000