These Are the 10 Most Expensive Zip Codes — You’ll Need $9.5M To Buy a House in One of Them

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Home prices in the U.S. continue to hover near record highs, with the median price of homes sold coming in at $410,800 during the 2025 second quarter, according to the Federal Reserve Bank of St. Louis.

Although prices have trended lower since peaking in late 2022, they’re still high enough that many Americans have been frozen out of the U.S. market.

But if you think $410,800 is expensive, don’t go house hunting in the Miami Beach community of Fisher Island. You’d have to multiply the nation’s median home price by a factor of 23 just to afford the typical home in Fisher Island. It ranks as the most expensive ZIP code in the country to purchase a house, according to a new report from PropertyShark.

Property Shark analyzed median sales prices across the country to determine the 100 most expensive ZIP code, with a focus on residential transactions that closed between Jan. 1, 2025, and Sept. 30, 2025.

Here are the 10 most expensive ZIP codes in the United States and their median home prices, according to Property Shark. We have also included average household income figures that are based on an analysis of Census Bureau data conducted by the Income By Zip Code website.

Los Altos, California (94022)

• 2025 median sale price: $5,100,000
• Average household income: $407,675

Los Altos passed the $5 million milestone for the first time this year, and 94022 is one of 15 Santa Clara County ZIP codes in the top 100.

Newport Beach, California (92662)

• 2025 median sale price: $5,100,000
• Average household income: $226,757

This is one of three Newport Beach ZIP codes that rank in the top 10. The Southern California coastal city also contributed half of the 12 ZIP codes that rank Orange County as the nation’s third-most-expensive county.

Newport Beach, California (92657)        

• 2025 median sale price: $5,188,000
• Average household income: $295,487

Newport Beach continues to attract “high-end buyers seeking privacy, scale and coastal views,” according to Income By Zip Code.

Stinson Beach, California (94970)

• 2025 median sale price: $5,225,000
• Average household income: $133,395

Home prices in Marin County’s Stinson Beach rose 38% year-over-year in 2025 – or nearly $1.5 million – to break into the top 10 for the second time. The Bay Area community also surpassed $5 million for the first time.

Santa Barbara, California (93108)

• 2025 median sale price: $5,240,000
• Average household income: $321,885

Here’s another California coastal city that hit a new record high last year. Median prices have risen by $1 million over the past five years thanks to limited inventory and strong demand.

Water Mill, New York (11976)         

• 2025 median sale price: $5,500,000
• Average household income: $273,184

Water Mill’s median sale price declined 6% from the previous year, but it remained The Hamptons’ second-most expensive community. Prices are still well above pre-pandemic levels and have more than doubled since 2016.

Newport Beach, California (92661)       

• 2025 median sale price: $5,721,000
• Average household income: $273,897

The final Newport Beach ZIP code in the top 10 saw its median price rise 20% this year and ranks as the city’s most expensive community.

Sagaponack, New York (11962)

• 2025 median sale price: $5,925,000
• Average household income: $354,146

Sagaponack’s 11962 ZIP code ranks as the most expensive in New York for the 10^th straight year despite sluggish sales of late.

Atherton, California (94027)

• 2025 median sale price: $8,333,000
• Average household income: $618,416

Atherton lost its spot at the top of the list after eight straight years as the country’s most expensive ZIP code. Even so, median prices in this Bay Area billionaire hotspot rose 5% year-over-year to set a new record. The cheapest home sold over the past year was $3.2 million, while the priciest topped $51 million.

Miami Beach, Florida (33109)

• 2025 median sale price: $9,500,000
• Average household income: $799,707

Median home prices on Miami Beach’s Fisher Island rose a whopping 65% year-over-year, putting it in the top spot for the first time. The cheapest home sold for $1.41 million, while the most expensive sold for nearly $24 million.

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