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Oakland city, CA

ZIP 94603 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94603

Median Home Value
$596,100
Median Rent
$1,616
Affordability Snapshot
$164,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,829/mo PITI).

27%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

30.7 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 94603 in Oakland city, CA, a household would need roughly $164,000 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 $3,829. That is about 131% above the local median household income ($71,086), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics

Historic housing stock (29% built before 1939)

Owner Occupied
46.2%-29% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
29.1%+128% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
36.2%-27% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$596,100
Home Value
$1,616
Rent
1952
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.5%
  • 1-unit attached6.0%
  • 2-9 units21.8%
  • 10+ units7.0%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$596,100
Median rent$1,616
Owner-occupied46.2%
Vacant5.4%
Price-to-income8.4x
Est. income to buy$164,000