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.

Using these metrics, GOBankingRates analyzed the California ZIP codes where buyers might have the hardest time finding an affordable home in the next decade.

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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.