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Clayton city, CA

ZIP 94517 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94517

Median Home Value
$995,600
Median Rent
$3,501
Affordability Snapshot
$274,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,395/mo PITI).

25%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

23.7 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 94517 in Clayton city, CA, a household would need roughly $274,000 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 $6,395. That is about 66% above the local median household income ($164,860), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.1%+38% vs US avg
x
Vacancy Rate
0.2%-98% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.2%-63% vs US avg
x
Mortgage-Free
26.9%-30% vs US avg
x
$995,600
Home Value
$3,501
Rent
1983
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 detached82.7%
  • 1-unit attached11.9%
  • 2-9 units1.0%
  • 10+ units0.2%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$995,600
Median rent$3,501
Owner-occupied90.1%
Vacant0.2%
Price-to-income6.0x
Est. income to buy$274,000