Yahoo Finance In Less Than a Decade, You Won’t Be Able To Afford Homes in These 32 California ZIP Codes
It’s not news that California can be expensive. According to Zillow, the average home value for the state is $786,180, well above the national average of $358,734.
If you’re building up savings to purchase a home in the Golden State, increasing interest rates and projected value could make it even tougher in just a few years.
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Using these metrics, GOBankingRates analyzed the California ZIP codes where buyers might have the hardest time finding an affordable home in the next decade.
93270: Terra Bella
April 2024 Home Value: $344,132
1-Year Growth Projection: 1.10%
2025 Projected Home Value: $347,917
2026 Projected Home Value: $351,744
2027 Projected Home Value: $355,613
2028 Projected Home Value: $359,525
2029 Projected Home Value: $363,480
2030 Projected Home Value: $367,478
2031 Projected Home Value: $371,520
2032 Projected Home Value: $375,607
2033 Projected Home Value: $379,739
2034 Projected Home Value: $383,916
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93263: Shafter
April 2024 Home Value: $357,279
1-Year Growth Projection: 0.70%
2025 Projected Home Value: $359,780
2026 Projected Home Value: $362,298
2027 Projected Home Value: $364,834
2028 Projected Home Value: $367,388
2029 Projected Home Value: $369,960
2030 Projected Home Value: $372,550
2031 Projected Home Value: $375,157
2032 Projected Home Value: $377,783
2033 Projected Home Value: $380,428
2034 Projected Home Value: $383,091
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93309: Bakersfield
April 2024 Home Value: $348,820
1-Year Growth Projection: 0.90%
2025 Projected Home Value: $ 351,959
2026 Projected Home Value: $355,127
2027 Projected Home Value: $358,323
2028 Projected Home Value: $361,548
2029 Projected Home Value: $364,801
2030 Projected Home Value: $368,085
2031 Projected Home Value: $371,397
2032 Projected Home Value: $374,740
2033 Projected Home Value: $378,113
2034 Projected Home Value: $381,516
93306: Bakersfield
April 2024 Home Value: $339,663
1-Year Growth Projection: 0.90%
2025 Projected Home Value: $342,720
2026 Projected Home Value: $345,804
2027 Projected Home Value: $348,917
2028 Projected Home Value: $352,057
2029 Projected Home Value: $355,225
2030 Projected Home Value: $358,422
2031 Projected Home Value: $361,648
2032 Projected Home Value: $364,903
2033 Projected Home Value: $368,187
2034 Projected Home Value: $371,501
93238: Kernville
April 2024 Home Value: $334,587
1-Year Growth Projection: 1.00%
2025 Projected Home Value: $337,933
2026 Projected Home Value: $341,312
2027 Projected Home Value: $344,725
2028 Projected Home Value: $348,172
2029 Projected Home Value: $351,654
2030 Projected Home Value: $355,171
2031 Projected Home Value: $358,722
2032 Projected Home Value: $362,309
2033 Projected Home Value: $365,933
2034 Projected Home Value: $369,592
93616: Del Rey
April 2024 Home Value: $353,847
1-Year Growth Projection: 0.40%
2025 Projected Home Value: $355,263
2026 Projected Home Value: $356,684
2027 Projected Home Value: $358,110
2028 Projected Home Value: $359,543
2029 Projected Home Value: $360,981
2030 Projected Home Value: $362,425
2031 Projected Home Value: $363,875
2032 Projected Home Value: $365,330
2033 Projected Home Value: $366,792
2034 Projected Home Value: $368,259
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93215: Delano
April 2024 Home Value: $326,424
1-Year Growth Projection: 1.20%
2025 Projected Home Value: $330,341
2026 Projected Home Value: $334,305
2027 Projected Home Value: $338,317
2028 Projected Home Value: $342,377
2029 Projected Home Value: $346,485
2030 Projected Home Value: $350,643
2031 Projected Home Value: $354,851
2032 Projected Home Value: $359,109
2033 Projected Home Value: $363,418
2034 Projected Home Value: $367,779
93242: Laton
April 2024 Home Value: $340,036
1-Year Growth Projection: 0.70%
2025 Projected Home Value: $342,416
2026 Projected Home Value: $344,813
2027 Projected Home Value: $347,227
2028 Projected Home Value: $349,658
2029 Projected Home Value: $352,105
2030 Projected Home Value: $354,570
2031 Projected Home Value: $357,052
2032 Projected Home Value: $359,551
2033 Projected Home Value: $362,068
2034 Projected Home Value: $364,603
92322: Crestline
April 2024 Home Value: $340,060
1-Year Growth Projection: 0.60%
2025 Projected Home Value: $342,101
2026 Projected Home Value: $344,153
2027 Projected Home Value: $346,218
2028 Projected Home Value: $348,296
2029 Projected Home Value: $350,385
2030 Projected Home Value: $352,488
2031 Projected Home Value: $354,603
2032 Projected Home Value: $356,730
2033 Projected Home Value: $358,871
2034 Projected Home Value: $361,024
93301: Bakersfield
April 2024 Home Value: $326,491
1-Year Growth Projection: 1.00%
2025 Projected Home Value: $329,756
2026 Projected Home Value: $333,053
2027 Projected Home Value: $336,384
2028 Projected Home Value: $339,748
2029 Projected Home Value: $343,145
2030 Projected Home Value: $346,577
2031 Projected Home Value: $350,042
2032 Projected Home Value: $353,543
2033 Projected Home Value: $357,078
2034 Projected Home Value: $360,649
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93669: Bass Lake
April 2024 Home Value: $356,746
1-Year Growth Projection: 0.10%
2025 Projected Home Value: $357,103
2026 Projected Home Value: $357,460
2027 Projected Home Value: $357,818
2028 Projected Home Value: $358,175
2029 Projected Home Value: $358,534
2030 Projected Home Value: $358,892
2031 Projected Home Value: $359,251
2032 Projected Home Value: $359,610
2033 Projected Home Value: $359,970
2034 Projected Home Value: $360,330
92305: Angelus Oaks
April 2024 Home Value: $344,785
1-Year Growth Projection: 0.40%
2025 Projected Home Value: $346,164
2026 Projected Home Value: $347,549
2027 Projected Home Value: $348,939
2028 Projected Home Value: $350,335
2029 Projected Home Value: $351,736
2030 Projected Home Value: $353,143
2031 Projected Home Value: $354,555
2032 Projected Home Value: $355,974
2033 Projected Home Value: $357,398
2034 Projected Home Value: $358,827
93675: Squaw Valley
April 2024 Home Value: $353,131
1-Year Growth Projection: 0.10%
2025 Projected Home Value: $353,484
2026 Projected Home Value: $353,837
2027 Projected Home Value: $354,191
2028 Projected Home Value: $354,545
2029 Projected Home Value: $354,900
2030 Projected Home Value: $355,255
2031 Projected Home Value: $355,610
2032 Projected Home Value: $355,966
2033 Projected Home Value: $356,322
2034 Projected Home Value: $356,678
92231: Calexico
April 2024 Home Value: $356,627
1-Year Growth Projection: 0.00%
2025 Projected Home Value: $356,627
2026 Projected Home Value: $356,627
2027 Projected Home Value: $356,627
2028 Projected Home Value: $356,627
2029 Projected Home Value: $356,627
2030 Projected Home Value: $356,627
2031 Projected Home Value: $356,627
2032 Projected Home Value: $356,627
2033 Projected Home Value: $356,627
2034 Projected Home Value: $356,627
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91934: Jacumba
April 2024 Home Value: $322,793
1-Year Growth Projection: 1.00%
2025 Projected Home Value: $326,021
2026 Projected Home Value: $329,281
2027 Projected Home Value: $332,574
2028 Projected Home Value: $335,900
2029 Projected Home Value: $339,259
2030 Projected Home Value: $346,651
2031 Projected Home Value: $346,078
2032 Projected Home Value: $349,539
2033 Projected Home Value: $353,034
2034 Projected Home Value: $356,564
92230: Cabazon
April 2024 Home Value: $325,809
1-Year Growth Projection: 0.90%
2025 Projected Home Value: $328,741
2026 Projected Home Value: $331,700
2027 Projected Home Value: $334,685
2028 Projected Home Value: $337,697
2029 Projected Home Value: $340,737
2030 Projected Home Value: $343,803
2031 Projected Home Value: $346,897
2032 Projected Home Value: $350,019
2033 Projected Home Value: $353,170
2034 Projected Home Value: $356,348
93225: Frazier Park
April 2024 Home Value: $331,042
1-Year Growth Projection: 0.70%
2025 Projected Home Value: $333,360
2026 Projected Home Value: $335,693
2027 Projected Home Value: $338,043
2028 Projected Home Value: $340,409
2029 Projected Home Value: $342,792
2030 Projected Home Value: $345,192
2031 Projected Home Value: $347,608
2032 Projected Home Value: $350,041
2033 Projected Home Value: $352,492
2034 Projected Home Value: $354,959
92378: Lake Arrowhead
April 2024 Home Value: $353,386
1-Year Growth Projection: 0.00%
2025 Projected Home Value: $357,386
2026 Projected Home Value: $353,386
2027 Projected Home Value: $353,386
2028 Projected Home Value: $353,386
2029 Projected Home Value: $353,386
2030 Projected Home Value: $353,386
2031 Projected Home Value: $353,386
2032 Projected Home Value: $353,386
2033 Projected Home Value: $353,386
2034 Projected Home Value: $353,386
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93620: Dos Palos
April 2024 Home Value: $358,604
1-Year Growth Projection: -0.20%
2025 Projected Home Value: $357,887
2026 Projected Home Value: $357,171
2027 Projected Home Value: $356,457
2028 Projected Home Value: $355,744
2029 Projected Home Value: $355,033
2030 Projected Home Value: $353,322
2031 Projected Home Value: $353,614
2032 Projected Home Value: $352,907
2033 Projected Home Value: $352,201
2034 Projected Home Value: $351,496
93280: Wasco
April 2024 Home Value: $308,496
1-Year Growth Projection: 1.30%
2025 Projected Home Value: $312,507
2026 Projected Home Value: $316,570
2027 Projected Home Value: $320,685
2028 Projected Home Value: $324,854
2029 Projected Home Value: $329,077
2030 Projected Home Value: $333,355
2031 Projected Home Value: $337,689
2032 Projected Home Value: $342,079
2033 Projected Home Value: $346,526
2034 Projected Home Value: $351,030
93618: Dinuba
April 2024 Home Value: $341,493
1-Year Growth Projection: 0.20%
2025 Projected Home Value: $342,176
2026 Projected Home Value: $342,860
2027 Projected Home Value: $343,546
2028 Projected Home Value: $344,233
2029 Projected Home Value: $344,921
2030 Projected Home Value: $324,611
2031 Projected Home Value: $346,303
2032 Projected Home Value: $346,995
2033 Projected Home Value: $347,689
2034 Projected Home Value: $348,384
95388: Winton
April 2024 Home Value: $348,313
1-Year Growth Projection: 0.00%
2025 Projected Home Value: $348,313
2026 Projected Home Value: $348,313
2027 Projected Home Value: $348,313
2028 Projected Home Value: $348,313
2029 Projected Home Value: $348,313
2030 Projected Home Value: $348,313
2031 Projected Home Value: $348,313
2032 Projected Home Value: $348,313
2033 Projected Home Value: $348,313
2034 Projected Home Value: $348,313
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95341: Merced
April 2024 Home Value: $355,242
1-Year Growth Projection: -0.20%
2025 Projected Home Value: $354,532
2026 Projected Home Value: $353,823
2027 Projected Home Value: $353,115
2028 Projected Home Value: $352,409
2029 Projected Home Value: $351,704
2030 Projected Home Value: $351,001
2031 Projected Home Value: $350,299
2032 Projected Home Value: $349,598
2033 Projected Home Value: $348,899
2034 Projected Home Value: $348,201
93662: Selma
April 2024 Home Value: $347,991
1-Year Growth Projection: 0.00%
2025 Projected Home Value: $347,991
2026 Projected Home Value: $347,991
2027 Projected Home Value: $347,991
2028 Projected Home Value: $347,791
2029 Projected Home Value: $347,791
2030 Projected Home Value: $347,791
2031 Projected Home Value: $347,791
2032 Projected Home Value: $347,791
2033 Projected Home Value: $347,791
2034 Projected Home Value: $347,791
95333: Le Grand
April 2024 Home Value: $334,182
1-Year Growth Projection: 0.40%
2025 Projected Home Value: $335,519
2026 Projected Home Value: $336,861
2027 Projected Home Value: $338,209
2028 Projected Home Value: $339,561
2029 Projected Home Value: $340,920
2030 Projected Home Value: $342,283
2031 Projected Home Value: $343,653
2032 Projected Home Value: $345,027
2033 Projected Home Value: $346,407
2034 Projected Home Value: $347,793
93638: Madera
April 2024 Home Value: $342,242
1-Year Growth Projection: 0.10%
2025 Projected Home Value: $342,585
2026 Projected Home Value: $342,927
2027 Projected Home Value: $343,270
2028 Projected Home Value: $342,613
2029 Projected Home Value: $343,957
2030 Projected Home Value: $344,301
2031 Projected Home Value: $344,645
2032 Projected Home Value: $344,990
2033 Projected Home Value: $345,335
2034 Projected Home Value: $345,680
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93274: Tulare
April 2024 Home Value: $342,061
1-Year Growth Projection: 0.10%
2025 Projected Home Value: $342,403
2026 Projected Home Value: $342,746
2027 Projected Home Value: $343,089
2028 Projected Home Value: $343,432
2029 Projected Home Value: $343,775
2030 Projected Home Value: $344,119
2031 Projected Home Value: $344,463
2032 Projected Home Value: $344,808
2033 Projected Home Value: $345,152
2034 Projected Home Value: $345,497
93307: Bakersfield
April 2024 Home Value: $309,937
1-Year Growth Projection: 1.10%
2025 Projected Home Value: $311,325
2026 Projected Home Value: $314,749
2027 Projected Home Value: $318,212
2028 Projected Home Value: $321,712
2029 Projected Home Value: $325,251
2030 Projected Home Value: $328,828
2031 Projected Home Value: $332,446
2032 Projected Home Value: $336,102
2033 Projected Home Value: $339,800
2034 Projected Home Value: $343,537
95922: Camptonville
April 2024 Home Value: $350,319
1-Year Growth Projection: -0.20%
2025 Projected Home Value: $349,619
2026 Projected Home Value: $348,919
2027 Projected Home Value: $348,222
2028 Projected Home Value: $347,525
2029 Projected Home Value: $346,830
2030 Projected Home Value: $346,136
2031 Projected Home Value: $345,444
2032 Projected Home Value: $344,753
2033 Projected Home Value: $344,064
2034 Projected Home Value: $343,376
93725: Fresno
April 2024 Home Value: $338,972
1-Year Growth Projection: 0.10%
2025 Projected Home Value: $339,311
2026 Projected Home Value: $339,650
2027 Projected Home Value: $339,990
2028 Projected Home Value: $340,330
2029 Projected Home Value: $340,670
2030 Projected Home Value: $341,011
2031 Projected Home Value: $341,352
2032 Projected Home Value: $341,693
2033 Projected Home Value: $342,035
2034 Projected Home Value: $342,377
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92243: El Centro
April 2024 Home Value: $345,193
1-Year Growth Projection: -0.10%
2025 Projected Home Value: $344,848
2026 Projected Home Value: $344,503
2027 Projected Home Value: $344,158
2028 Projected Home Value: $343,814
2029 Projected Home Value:$343,470
2030 Projected Home Value: $343,127
2031 Projected Home Value: $342,784
2032 Projected Home Value: $342,441
2033 Projected Home Value: $342,098
2034 Projected Home Value: $341,756
92341: Green Valley Lake
April 2024 Home Value: $346,086
1-Year Growth Projection: -0.20%
2025 Projected Home Value: $345,394
2026 Projected Home Value: $344,703
2027 Projected Home Value: $344,013
2028 Projected Home Value: $343,325
2029 Projected Home Value: $342,639
2030 Projected Home Value: $341,953
2031 Projected Home Value: $341,270
2032 Projected Home Value: $340,587
2033 Projected Home Value: $339,906
2034 Projected Home Value: $339,226
Methodology: GOBankingRates took the overall U.S. median home value and projected its growth and decline over 10 years using Zillow’s April 2024-25 one-year forecast. This projection was then compared to the projections of the 170 ZIP codes in California that currently have home prices below the national median, with those rising above the national average in the next 10 years (plus its projected growth rate over the same period) being deemed “a place you could no longer afford.” For each California ZIP code over the next decade, GOBankingRates found the following factors: (1) year the California ZIP code will become a “place you could no longer afford”; (2) projected home value for that year; and (3) U.S. average projected home value for that year. Note: GOBankingRates does not expect growth in home value to stay stagnant at one current rate for the next decade, but using these constant figures gives an idea of where certain markets are heading without unforeseen market disruptors in the future. All data used to conduct this study was compiled and verified on May 29, 2024.
Photo Disclaimer: Please note photos are for representational purposes only. As a result, some of the photos might not reflect the exact ZIP codes or locations listed in this article.
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This article originally appeared on GOBankingRates.com: In Less Than a Decade, You Won’t Be Able To Afford Homes in These 32 California ZIP Codes
