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San Ramon city, CA

ZIP 94582 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94582

Median Home Value
$1,543,800
Median Rent
$2,747
Affordability Snapshot
$425,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,917/mo PITI).

16%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

46.8 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 94582 in San Ramon city, CA, a household would need roughly $425,000 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 $9,917. That is about 101% above the local median household income ($211,159), 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
69.8%+7% vs US avg
x
Vacancy Rate
2.2%-79% vs US avg
x
Broadband Access
98.2%+13% vs US avg
x
4+ Bedrooms
14.9%+1% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
19.6%-49% vs US avg
x
$1,543,800
Home Value
$2,747
Rent
2003
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached61.5%
  • 1-unit attached14.7%
  • 2-9 units7.5%
  • 10+ units16.1%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,543,800
Median rent$2,747
Owner-occupied69.8%
Vacant2.2%
Price-to-income7.3x
Est. income to buy$425,000