US5.com
  1. Home
  2. States
  3. California
  4. ZIP 94903
  5. Housing & Real Estate
San Rafael city, CA

ZIP 94903 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94903

Median Home Value
$1,149,400
Median Rent
$2,759
Affordability Snapshot
$316,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,383/mo PITI).

26%
Rent-to-Income Ratio

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

9.0x
Home Price-to-Income Ratio

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

34.7 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 94903 in San Rafael city, CA, a household would need roughly $316,000 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 $7,383. That is about 148% above the local median household income ($127,464), 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
65.5%+0% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$1,149,400
Home Value
$2,759
Rent
1967
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 detached58.8%
  • 1-unit attached6.9%
  • 2-9 units9.4%
  • 10+ units22.0%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,149,400
Median rent$2,759
Owner-occupied65.5%
Vacant3.8%
Price-to-income9.0x
Est. income to buy$316,000