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Castro Valley CDP, CA

ZIP 94546 — 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 94546

Median Home Value
$976,300
Median Rent
$2,317
Affordability Snapshot
$269,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,271/mo PITI).

22%
Rent-to-Income Ratio

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

7.8x
Home Price-to-Income Ratio

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

35.1 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 94546 in Castro Valley CDP, CA, a household would need roughly $269,000 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 $6,271. That is about 114% above the local median household income ($125,780), 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
2.9%-72% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
15.3%+20% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$976,300
Home Value
$2,317
Rent
1960
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached67.2%
  • 1-unit attached5.8%
  • 2-9 units10.4%
  • 10+ units14.9%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$976,300
Median rent$2,317
Owner-occupied65.8%
Vacant2.9%
Price-to-income7.8x
Est. income to buy$269,000