ZIP Code 92646 — Huntington Beach, California

The median home in 92646 is valued at $951,600 against a median household income of $123,899, a price-to-income ratio of 7.7. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Orange County, 92646 ranks 39 of 87 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 23.3% of median household income (median rent $2,406 a month), under the 30% cost-burden threshold.

92646 ranks 312 of 1,558 statewide on median household income and 353 of 1,558 on median home value; its income is above the $116,618 Orange County median. 76% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 49% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 6.0%, below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.0%.

With 6,918 residents per square mile across 8.1 square miles of land, 92646 is far denser than the statewide ZIP median of 1,120 (rank 302 of 1,558). This is predominantly single-family residential with suburban street patterns.