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Walnut Creek city, CA

ZIP 94598 — 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 94598

Median Home Value
$1,307,100
Median Rent
$2,759
Affordability Snapshot
$360,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,396/mo PITI).

18%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

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

39.5 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 94598 in Walnut Creek city, CA, a household would need roughly $360,000 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 $8,396. That is about 91% above the local median household income ($188,170), 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
2.3%-78% vs US avg
x
Broadband Access
96.1%+10% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$1,307,100
Home Value
$2,759
Rent
1972
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached67.3%
  • 1-unit attached16.4%
  • 2-9 units7.2%
  • 10+ units8.5%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,307,100
Median rent$2,759
Owner-occupied76.1%
Vacant2.3%
Price-to-income6.9x
Est. income to buy$360,000