ZIP Code 94530 — El Cerrito, California

The median home in 94530 is valued at $1,046,500 against a median household income of $119,761, a price-to-income ratio of 8.7. 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 Contra Costa County, 94530 ranks 38 of 40 ZIPs on affordability (1 = lowest ratio); the county median ratio is 6.8. Renting takes 23.4% of median household income (median rent $2,334 a month), under the 30% cost-burden threshold.

94530 ranks 346 of 1,558 statewide on median household income and 289 of 1,558 on median home value; its income is in line with the $120,565 Contra Costa County median. 56% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 65% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.9%, below the 10.8% statewide ZIP median. Unemployment stands at 5.4%.

With 6,159 residents per square mile across 4.3 square miles of land, 94530 is far denser than the statewide ZIP median of 1,120 (rank 349 of 1,558). This is predominantly single-family residential with suburban street patterns.