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Oakley city, CA

ZIP 94561 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94561

Median Home Value
$632,100
Median Rent
$1,844
Affordability Snapshot
$174,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,060/mo PITI).

17%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.6 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 94561 in Oakley city, CA, a household would need roughly $174,000 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 $4,060. That is about 33% above the local median household income ($130,859), 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
76.1%+16% vs US avg
x
Vacancy Rate
2.4%-76% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
19.3%-49% vs US avg
x
$632,100
Home Value
$1,844
Rent
1995
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached90.0%
  • 1-unit attached2.9%
  • 2-9 units0.9%
  • 10+ units3.2%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$632,100
Median rent$1,844
Owner-occupied76.1%
Vacant2.4%
Price-to-income4.8x
Est. income to buy$174,000