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Pismo Beach city, CA

ZIP 93449 — 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 93449

Median Home Value
$992,900
Median Rent
$2,208
Affordability Snapshot
$273,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,378/mo PITI).

23%
Rent-to-Income Ratio

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

8.8x
Home Price-to-Income Ratio

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

37.5 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 93449 in Pismo Beach city, CA, a household would need roughly $273,000 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 $6,378. That is about 142% above the local median household income ($112,913), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.0%+3% vs US avg
x
Vacancy Rate
32.1%+212% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
27.0%-46% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$992,900
Home Value
$2,208
Rent
1986
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached55.8%
  • 1-unit attached7.4%
  • 2-9 units20.6%
  • 10+ units4.3%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$992,900
Median rent$2,208
Owner-occupied67.0%
Vacant32.1%
Price-to-income8.8x
Est. income to buy$273,000