How Much You’ll Pay for the Least Expensive Homes in the Priciest ZIP Codes

In the places America’s movie stars and wealthy financiers call home, it goes without saying that the homes aren’t exactly cheap. And with COVID-19 pushing prices higher, even the cheapest home in the top 25 most expensive ZIP codes comes with a seven-figure price tag.

With just one exception, all 25 of the priciest ZIP codes are found in states along the coasts — mainly in California and New York. The only city in the middle of the country to claim a spot on the list is Aspen, Colorado, a ski resort town a few hours’ drive from Denver.

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California has the most ZIP codes in the top 25, claiming 12 ZIP codes. New York state is No. 2 with nine ZIP codes. Colorado, Massachusetts and Florida have the remaining four ZIP codes; Florida is the only other state with two ZIP codes.

However, the price tags on these homes may be exactly what you expect. For example, the second-cheapest home on the list is in Beverly Hills, 90210, the ZIP code in which the TV show by the same name is based. There, the cheapest home in December 2021 was priced at a cool $1.5 million — much lower than the priciest of the pricey.

GOBankingRates used Zillow data from December 2021 to find the cheapest (or, indeed, least expensive) homes in each ZIP code. This gallery will walk through what Zillow can tell us about each of those places.

• City: San Francisco
• State: California
• Typical December 2021 SFR home value: $4,411,356
• Cheapest current home listing price: $1,350,000
• Difference between home value and cheapest current listing: $3,061,356

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• City: Beverly Hills
• State: California
• Typical December 2021 SFR home value: $6,612,442
• Cheapest current home listing price: $1,595,000
• Difference between home value and cheapest current listing: $5,017,442

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• City: Santa Monica
• State: California
• Typical December 2021 SFR home value: $5,057,862
• Cheapest current home listing price: $1,695,000
• Difference between home value and cheapest current listing: $3,362,862

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• City: Malibu
• State: California
• Typical December 2021 SFR home value: $4,397,391
• Cheapest current home listing price: $1,750,000
• Difference between home value and cheapest current listing: $2,647,391

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• City: Newport Beach
• State: California
• Typical December 2021 SFR home value: $4,081,531
• Cheapest current home listing price: $2,000,000
• Difference between home value and cheapest current listing: $2,081,531

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• City: Newport Beach
• State: California
• Typical December 2021 SFR home value: $4,131,183
• Cheapest current home listing price: $2,195,000
• Difference between home value and cheapest current listing: $1,936,183

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• City: Sagaponack
• State: New York
• Typical December 2021 SFR home value: $5,715,788
• Cheapest current home listing price: $2,295,000
• Difference between home value and cheapest current listing: $3,420,788

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• City: Naples
• State: Florida
• Typical December 2021 SFR home value: $4,342,698
• Cheapest current home listing price: $2,395,000
• Difference between home value and cheapest current listing: $1,947,698

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• City: Montecito
• State: California
• Typical December 2021 SFR home value: $4,617,476
• Cheapest current home listing price: $2,875,000
• Difference between home value and cheapest current listing: $1,742,476

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• City: Los Altos
• State: California
• Typical December 2021 SFR home value: $4,581,470
• Cheapest current home listing price: $3,200,000
• Difference between home value and cheapest current listing: $1,381,470

• City: Boston
• State: Massachussets
• Typical December 2021 SFR home value: $4,822,452
• Cheapest current home listing price: $3,495,000
• Difference between home value and cheapest current listing: $1,327,452

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• City: Aspen
• State: Colorado
• Typical December 2021 SFR home value: $6,943,813
• Cheapest current home listing price: $3,650,000
• Difference between home value and cheapest current listing: $3,293,813

• City: Newport Beach
• State: California
• Typical December 2021 SFR home value: $4,398,908
• Cheapest current home listing price: $3,650,000
• Difference between home value and cheapest current listing: $748,908

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• City: New York
• State: New York
• Typical December 2021 SFR home value: $8,345,044
• Cheapest current home listing price: $3,975,000
• Difference between home value and cheapest current listing: $4,370,044

• City: New York
• State: New York
• Typical December 2021 SFR home value: $5,200,254
• Cheapest current home listing price: $4,150,000
• Difference between home value and cheapest current listing: $1,050,254

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• City: Atherton
• State: California
• Typical December 2021 SFR home value: $7,670,067
• Cheapest current home listing price: $4,250,000
• Difference between home value and cheapest current listing: $3,420,067

• City: Palm Beach
• State: Florida
• Typical December 2021 SFR home value: $7,008,022
• Cheapest current home listing price: $4,395,000
• Difference between home value and cheapest current listing: $2,613,022

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• City: New York
• State: New York
• Typical December 2021 SFR home value: $4,630,973
• Cheapest current home listing price: $4,425,000
• Difference between home value and cheapest current listing: $205,973

• City: New York
• State: New York
• Typical December 2021 SFR home value: $6,537,176
• Cheapest current home listing price: $4,490,000
• Difference between home value and cheapest current listing: $2,047,176

• City: New York
• State: New York
• Typical December 2021 SFR home value: $5,641,132
• Cheapest current home listing price: $4,795,000
• Difference between home value and cheapest current listing: $846,132

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• City: Palo Alto
• State: California
• Typical December 2021 SFR home value: $4,629,512
• Cheapest current home listing price: $4,980,000
• Difference between home value and cheapest current listing: -$350,488

• City: New York
• State: New York
• Typical December 2021 SFR home value: $4,661,882
• Cheapest current home listing price: $5,975,000
• Difference between home value and cheapest current listing: -$1,313,118

• City: Portola Valley
• State: California
• Typical December 2021 SFR home value: $4,128,795
• Cheapest current home listing price: $6,150,000
• Difference between home value and cheapest current listing: -$2,021,205

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• City: New York
• State: New York
• Typical December 2021 SFR home value: $7,351,447
• Cheapest current home listing price: $6,400,000
• Difference between home value and cheapest current listing: $951,447

• City: New York
• State: New York
• Typical December 2021 SFR home value: $8,044,417
• Cheapest current home listing price: $7,250,000
• Difference between home value and cheapest current listing: $794,417

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Methodology: For this piece GOBankingRates looked at the 25 most expensive zip codes in terms of typical home value for December 2021 as sourced from Zillow. With these 25 zip codes identified GOBankingRates found the following data points: (1) city name for zip code; (2) state of zip code; (3) typical home value for a single family residence (SFR) in that zip code as sourced from Zillow’s December 2021 data; (4) cheapest current SFR listing to own in that zip as sourced from Zillow on January 10, 2022; and (5) the dollar amount difference between the typical home value and cheapest listing price for each zip code. All data was collected and is up to date as of January 10, 2022.

Photo Disclaimer: Please note photos are for representational purposes only and may not represent the exact ZIP code listed.