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Richmond city, CA

ZIP 94805 — 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 94805

Median Home Value
$738,800
Median Rent
$1,961
Affordability Snapshot
$203,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,746/mo PITI).

21%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

31.4 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 94805 in Richmond city, CA, a household would need roughly $203,000 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 $4,746. That is about 78% above the local median household income ($114,191), 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

Historic housing stock (35% built before 1939)

Owner Occupied
67.6%+3% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
35.4%+177% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$738,800
Home Value
$1,961
Rent
1950
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 detached87.2%
  • 1-unit attached2.6%
  • 2-9 units7.7%
  • 10+ units2.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$738,800
Median rent$1,961
Owner-occupied67.6%
Vacant5.7%
Price-to-income6.5x
Est. income to buy$203,000