Top 100 California ZIPs by home value + equity excess
← Reese Loan Origination · V2.1 · Oct 18, 2026 · only ZIPs with typical value > $500k (1,028 of 1,809 CA ZCTAs qualify) · ranked with the house view's weighted scoring (typical value 3x, equity proxy 3x, 3-yr growth 1x, 12-mo trend 1x)
| # | ZIP | City | County | Typical value | Equity proxy /home | 12-mo | 3-yr | Own free+clear | Owner-occ homes | Expected value | Score /100 | Retrieval order | Regrid cost |
|---|
| 1 | 94027 | Atherton | San Mateo | $8.81M | $4,483k | +15.9% | +19.1% | 51% | 1,959 | $8.8B | 79.1 | #20 | $196 |
| 2 | 92625 | Newport Beach | Orange | $5.40M | $2,841k | +13.0% | +25.0% | 53% | 3,435 | $9.8B | 65.0 | #13 | $344 |
| 3 | 92661 | Newport Beach | Orange | $5.16M | $2,701k | +15.6% | +25.9% | 52% | 664 | $1.8B | 64.9 | #504 | $66 |
| 4 | 93108 | Montecito | Santa Barbara | $5.54M | $2,603k | +12.4% | +17.2% | 47% | 3,623 | $9.4B | 60.3 | #18 | $362 |
| 5 | 94123 | San Francisco | San Francisco | $4.58M | $1,947k | +26.2% | +27.5% | 42% | 3,836 | $7.5B | 60.1 | #30 | $384 |
| 6 | 92657 | Newport Beach | Orange | $6.83M | $2,144k | +9.7% | +30.4% | 31% | 2,488 | $5.3B | 58.3 | #74 | $249 |
| 7 | 94028 | Portola Valley | San Mateo | $4.33M | $2,147k | +12.0% | +20.4% | 50% | 2,161 | $4.6B | 57.0 | #100 | $216 |
| 8 | 92662 | Newport Beach | Orange | $4.67M | $2,141k | +13.5% | +18.3% | 46% | 612 | $1.3B | 56.3 | #646 | $61 |
| 9 | 90210 | Beverly Hills | Los Angeles | $6.16M | $2,470k | +11.6% | +1.3% | 40% | 5,679 | $14.0B | 55.2 | #4 | $568 |
| 10 | 90402 | Santa Monica | Los Angeles | $5.60M | $2,197k | +13.5% | +11.1% | 39% | 3,706 | $8.1B | 54.8 | #26 | $371 |
| 11 | 94301 | Palo Alto | Santa Clara | $4.76M | $2,223k | +9.1% | +11.5% | 47% | 3,802 | $8.4B | 54.3 | #23 | $380 |
| 12 | 92067 | Rancho Santa Fe | San Diego | $4.83M | $2,140k | +6.7% | +14.4% | 44% | 2,663 | $5.7B | 52.9 | #62 | $266 |
| 13 | 90740 | Seal Beach | Orange | $1.60M | $1,114k | +6.4% | +9.7% | 70% | 9,720 | $10.8B | 52.9 | #10 | $972 |
| 14 | 94022 | Los Altos | Santa Clara | $5.30M | $2,057k | +8.1% | +15.7% | 39% | 5,944 | $12.2B | 52.3 | #7 | $594 |
| 15 | 94024 | Los Altos | Santa Clara | $4.61M | $1,854k | +7.8% | +16.9% | 40% | 6,937 | $12.9B | 50.3 | #5 | $694 |
| 16 | 92637 | Laguna Woods | Orange | $0.54M | $406k | +2.1% | +9.1% | 75% | 8,387 | $3.4B | 49.7 | #205 | $839 |
| 17 | 94115 | San Francisco | San Francisco | $3.68M | $1,262k | +25.6% | +21.2% | 34% | 4,343 | $5.5B | 49.4 | #70 | $434 |
| 18 | 93953 | Del Monte Forest | Monterey | $2.95M | $1,530k | +6.3% | +7.8% | 52% | 1,458 | $2.2B | 47.6 | #393 | $146 |
| 19 | 92663 | Newport Beach | Orange | $3.79M | $1,371k | +12.6% | +24.8% | 36% | 4,956 | $6.8B | 47.3 | #41 | $496 |
| 20 | 94305 | Stanford | Santa Clara | $3.54M | $1,627k | +5.5% | +11.1% | 46% | 928 | $1.5B | 47.0 | #579 | $93 |
| 21 | 94118 | San Francisco | San Francisco | $2.87M | $1,083k | +23.4% | +19.5% | 38% | 6,021 | $6.5B | 46.8 | #47 | $602 |
| 22 | 94511 | Bethel Island | Contra Costa | $0.62M | $467k | -0.5% | -3.6% | 75% | 554 | $0.3B | 46.7 | #901 | $55 |
| 23 | 92655 | Westminster | Orange | $1.10M | $643k | +9.5% | +18.0% | 58% | 722 | $0.5B | 46.4 | #855 | $72 |
| 24 | 94304 | Palo Alto | Santa Clara | $4.38M | $1,600k | +6.0% | +15.0% | 36% | 515 | $0.8B | 45.9 | #753 | $52 |
| 25 | 92603 | Irvine | Orange | $3.03M | $1,267k | +4.6% | +30.4% | 42% | 3,948 | $5.0B | 45.9 | #85 | $395 |
| 26 | 94306 | Palo Alto | Santa Clara | $3.56M | $1,515k | +6.0% | +14.2% | 42% | 5,594 | $8.5B | 45.7 | #22 | $559 |
| 27 | 94920 | Tiburon | Marin | $3.77M | $1,558k | +10.4% | +4.5% | 41% | 3,565 | $5.6B | 45.4 | #68 | $356 |
| 28 | 94121 | San Francisco | San Francisco | $1.99M | $874k | +20.4% | +17.7% | 44% | 7,984 | $7.0B | 45.3 | #38 | $798 |
| 29 | 92660 | Newport Beach | Orange | $3.67M | $1,269k | +10.4% | +25.2% | 35% | 7,636 | $9.7B | 45.1 | #14 | $764 |
| 30 | 94116 | San Francisco | San Francisco | $1.65M | $785k | +16.6% | +19.7% | 48% | 11,315 | $8.9B | 45.1 | #19 | $1,132 |
| 31 | 91108 | San Marino | Los Angeles | $2.80M | $1,281k | +6.5% | +14.5% | 46% | 3,310 | $4.2B | 44.6 | #127 | $331 |
| 32 | 92118 | Coronado | San Diego | $2.97M | $1,358k | +7.4% | +8.0% | 46% | 3,991 | $5.4B | 44.2 | #72 | $399 |
| 33 | 92037 | San Diego | San Diego | $3.15M | $1,357k | +6.8% | +12.2% | 43% | 10,406 | $14.1B | 44.1 | #3 | $1,041 |
| 34 | 95070 | Saratoga | Santa Clara | $4.04M | $1,485k | +4.2% | +15.6% | 37% | 9,699 | $14.4B | 44.0 | #2 | $970 |
| 35 | 90212 | Beverly Hills | Los Angeles | $3.60M | $1,452k | +11.4% | +1.0% | 40% | 1,167 | $1.7B | 43.6 | #530 | $117 |
| 36 | 95014 | Cupertino | Santa Clara | $3.13M | $1,352k | +2.8% | +15.3% | 43% | 12,843 | $17.4B | 43.3 | #1 | $1,284 |
| 37 | 94122 | San Francisco | San Francisco | $1.77M | $771k | +16.8% | +18.1% | 44% | 10,785 | $8.3B | 42.9 | #24 | $1,078 |
| 38 | 94114 | San Francisco | San Francisco | $2.81M | $807k | +24.0% | +27.4% | 29% | 7,618 | $6.2B | 42.8 | #54 | $762 |
| 39 | 94010 | Hillsborough | San Mateo | $3.72M | $1,209k | +12.5% | +14.9% | 32% | 9,717 | $11.8B | 42.6 | #9 | $972 |
| 40 | 92651 | Laguna Beach | Orange | $3.28M | $1,322k | +6.9% | +10.6% | 40% | 7,486 | $9.9B | 42.6 | #12 | $749 |
| 41 | 92210 | Indian Wells | Riverside | $1.82M | $971k | +3.9% | +7.7% | 53% | 1,969 | $1.9B | 42.5 | #472 | $197 |
| 42 | 90265 | Malibu | Los Angeles | $3.78M | $1,622k | +2.7% | -2.5% | 43% | 4,916 | $8.0B | 42.3 | #27 | $492 |
| 43 | 93460 | Santa Ynez | Santa Barbara | $1.87M | $959k | +8.0% | +5.0% | 51% | 1,522 | $1.5B | 42.3 | #599 | $152 |
| 44 | 94131 | San Francisco | San Francisco | $2.00M | $740k | +21.7% | +20.5% | 37% | 6,762 | $5.0B | 42.0 | #86 | $676 |
| 45 | 94025 | Menlo Park | San Mateo | $3.16M | $1,110k | +11.1% | +17.6% | 35% | 8,554 | $9.5B | 41.8 | #16 | $855 |
| 46 | 90024 | Los Angeles | Los Angeles | $3.16M | $1,278k | +9.4% | +4.8% | 40% | 5,457 | $7.0B | 41.8 | #39 | $546 |
| 47 | 94957 | Ross | Marin | $4.34M | $1,310k | +10.0% | +7.7% | 30% | 620 | $0.8B | 41.6 | #758 | $62 |
| 48 | 95460 | Mendocino | Mendocino | $0.90M | $578k | +2.7% | -7.5% | 64% | 843 | $0.5B | 41.6 | #850 | $84 |
| 49 | 93013 | Carpinteria | Santa Barbara | $1.84M | $836k | +8.2% | +18.5% | 45% | 3,935 | $3.3B | 41.4 | #229 | $394 |
| 50 | 94038 | Moss Beach | San Mateo | $1.49M | $796k | +3.5% | +9.7% | 54% | 906 | $0.7B | 41.4 | #786 | $91 |
| 51 | 94595 | Walnut Creek | Contra Costa | $1.49M | $859k | +1.5% | +0.1% | 58% | 7,669 | $6.6B | 41.3 | #45 | $767 |
| 52 | 92075 | Solana Beach | San Diego | $2.66M | $1,094k | +8.5% | +11.4% | 41% | 3,550 | $3.9B | 41.1 | #163 | $355 |
| 53 | 92548 | Homeland | Riverside | $0.56M | $345k | +1.1% | +9.0% | 61% | 1,816 | $0.6B | 40.9 | #809 | $182 |
| 54 | 95497 | The Sea Ranch | Sonoma | $1.40M | $792k | +2.3% | +1.0% | 57% | 659 | $0.5B | 40.7 | #835 | $66 |
| 55 | 94133 | San Francisco | San Francisco | $1.93M | $918k | +13.9% | -3.0% | 48% | 2,086 | $1.9B | 40.6 | #469 | $209 |
| 56 | 93109 | Santa Barbara | Santa Barbara | $2.46M | $1,100k | +5.0% | +7.4% | 45% | 2,539 | $2.8B | 40.4 | #293 | $254 |
| 57 | 90049 | Los Angeles | Los Angeles | $3.93M | $1,351k | +6.9% | +2.9% | 34% | 8,883 | $12.0B | 40.3 | #8 | $888 |
| 58 | 94117 | San Francisco | San Francisco | $2.90M | $773k | +23.5% | +20.2% | 27% | 5,061 | $3.9B | 40.2 | #158 | $506 |
| 59 | 94127 | San Francisco | San Francisco | $2.10M | $744k | +18.5% | +19.2% | 35% | 6,128 | $4.6B | 40.1 | #104 | $613 |
| 60 | 92014 | San Diego | San Diego | $3.24M | $1,112k | +8.0% | +12.0% | 34% | 4,090 | $4.5B | 39.4 | #107 | $409 |
| 61 | 94087 | Sunnyvale | Santa Clara | $2.78M | $1,094k | +3.4% | +14.3% | 39% | 11,495 | $12.6B | 39.4 | #6 | $1,150 |
| 62 | 92007 | Encinitas | San Diego | $2.32M | $909k | +9.6% | +14.6% | 39% | 2,667 | $2.4B | 39.4 | #355 | $267 |
| 63 | 94041 | Mountain View | Santa Clara | $2.40M | $983k | +7.4% | +11.1% | 41% | 1,959 | $1.9B | 39.4 | #464 | $196 |
| 64 | 94040 | Mountain View | Santa Clara | $3.21M | $1,095k | +6.5% | +15.0% | 34% | 5,797 | $6.4B | 39.3 | #51 | $580 |
| 65 | 93923 | Carmel-by-the-Sea | Monterey | $2.60M | $1,075k | +6.6% | +6.8% | 41% | 4,160 | $4.5B | 39.3 | #111 | $416 |
| 66 | 92861 | Villa Park | Orange | $2.33M | $930k | +5.3% | +18.1% | 40% | 1,726 | $1.6B | 39.2 | #557 | $173 |
| 67 | 95030 | Los Gatos | Santa Clara | $3.59M | $1,127k | +7.6% | +12.4% | 31% | 4,047 | $4.6B | 39.1 | #106 | $405 |
| 68 | 93514 | Bishop | Inyo | $0.60M | $332k | +5.5% | +7.7% | 56% | 4,456 | $1.5B | 39.0 | #594 | $446 |
| 69 | 94515 | Calistoga | Napa | $1.08M | $644k | +0.4% | -7.5% | 60% | 1,422 | $0.9B | 38.7 | #726 | $142 |
| 70 | 90266 | Manhattan Beach | Los Angeles | $3.41M | $1,096k | +9.5% | +8.5% | 32% | 8,662 | $9.5B | 38.6 | #17 | $866 |
| 71 | 90020 | Los Angeles | Los Angeles | $3.80M | $1,305k | +5.3% | -0.9% | 34% | 1,607 | $2.1B | 38.3 | #421 | $161 |
| 72 | 94599 | Yountville | Napa | $1.44M | $801k | +0.5% | -6.5% | 56% | 1,007 | $0.8B | 38.1 | #759 | $101 |
| 73 | 94030 | Millbrae | San Mateo | $2.16M | $844k | +7.3% | +15.0% | 39% | 4,937 | $4.2B | 37.9 | #135 | $494 |
| 74 | 95236 | Linden | San Joaquin | $0.67M | $371k | +3.2% | +5.9% | 55% | 990 | $0.4B | 37.9 | #878 | $99 |
| 75 | 90704 | Avalon | Los Angeles | $1.03M | $514k | +6.7% | +7.2% | 50% | 706 | $0.4B | 37.7 | #879 | $71 |
| 76 | 94089 | Sunnyvale | Santa Clara | $1.44M | $723k | -0.2% | +8.3% | 50% | 4,874 | $3.5B | 37.6 | #188 | $487 |
| 77 | 93110 | Santa Barbara | Santa Barbara | $2.17M | $873k | +7.5% | +9.0% | 40% | 4,020 | $3.5B | 37.5 | #193 | $402 |
| 78 | 93463 | Solvang | Santa Barbara | $1.50M | $660k | +7.9% | +11.4% | 44% | 2,112 | $1.4B | 37.5 | #624 | $211 |
| 79 | 94705 | Oakland | Alameda | $2.10M | $914k | +7.6% | -0.2% | 44% | 3,496 | $3.2B | 37.3 | #246 | $350 |
| 80 | 91770 | Rosemead | Los Angeles | $0.90M | $480k | +0.8% | +7.7% | 53% | 8,266 | $4.0B | 37.2 | #148 | $827 |
| 81 | 94402 | San Mateo | San Mateo | $2.57M | $852k | +8.8% | +17.4% | 33% | 5,912 | $5.0B | 37.1 | #82 | $591 |
| 82 | 91007 | Arcadia | Los Angeles | $1.64M | $774k | +2.3% | +6.5% | 47% | 6,339 | $4.9B | 37.1 | #91 | $634 |
| 83 | 92264 | Palm Springs | Riverside | $1.19M | $631k | +3.5% | -3.6% | 53% | 7,875 | $5.0B | 37.0 | #87 | $788 |
| 84 | 90077 | Los Angeles | Los Angeles | $3.16M | $1,151k | +4.6% | -1.1% | 36% | 2,826 | $3.3B | 36.4 | #232 | $283 |
| 85 | 90405 | Santa Monica | Los Angeles | $2.33M | $912k | +6.9% | +4.5% | 39% | 4,492 | $4.1B | 36.4 | #137 | $449 |
| 86 | 92612 | Irvine | Orange | $1.38M | $633k | -0.8% | +17.1% | 46% | 3,775 | $2.4B | 36.3 | #358 | $378 |
| 87 | 96143 | Kings Beach | Placer | $0.83M | $413k | +5.6% | +7.1% | 50% | 876 | $0.4B | 36.3 | #880 | $88 |
| 88 | 90403 | Santa Monica | Los Angeles | $2.51M | $1,000k | +6.9% | -2.5% | 40% | 3,445 | $3.4B | 36.1 | #200 | $344 |
| 89 | 95010 | Capitola | Santa Cruz | $1.52M | $673k | +7.6% | +3.8% | 44% | 2,074 | $1.4B | 36.0 | #623 | $207 |
| 90 | 95073 | Soquel | Santa Cruz | $1.37M | $617k | +7.0% | +5.9% | 45% | 3,312 | $2.0B | 36.0 | #434 | $331 |
| 91 | 92606 | Irvine | Orange | $1.57M | $650k | -0.0% | +23.1% | 42% | 3,179 | $2.1B | 35.9 | #430 | $318 |
| 92 | 94132 | San Francisco | San Francisco | $1.50M | $552k | +14.2% | +13.0% | 37% | 5,042 | $2.8B | 35.5 | #298 | $504 |
| 93 | 95045 | San Juan Bautista | San Benito | $0.89M | $475k | +0.2% | +0.2% | 53% | 1,006 | $0.5B | 35.4 | #852 | $101 |
| 94 | 92708 | Fountain Valley | Orange | $1.40M | $555k | +5.9% | +19.2% | 40% | 12,166 | $6.7B | 35.3 | #43 | $1,217 |
| 95 | 92604 | Irvine | Orange | $1.47M | $628k | +0.0% | +18.7% | 43% | 6,165 | $3.9B | 35.3 | #165 | $616 |
| 96 | 93950 | Pacific Grove | Monterey | $1.39M | $675k | +1.7% | +0.2% | 49% | 3,522 | $2.4B | 35.3 | #362 | $352 |
| 97 | 95032 | Los Gatos | Santa Clara | $2.77M | $875k | +5.2% | +14.7% | 32% | 6,839 | $6.0B | 35.2 | #58 | $684 |
| 98 | 95129 | San Jose | Santa Clara | $2.63M | $863k | +2.7% | +18.1% | 33% | 8,262 | $7.1B | 35.2 | #35 | $826 |
| 99 | 91011 | La Canada Flintridge | Los Angeles | $2.47M | $830k | +4.8% | +15.3% | 34% | 5,531 | $4.6B | 35.1 | #103 | $553 |
| 100 | 94709 | Berkeley | Alameda | $1.68M | $652k | +10.9% | +7.4% | 39% | 1,317 | $0.9B | 35.1 | #746 | $132 |
Typical value: Zillow ZHVI single-family, ZIP level, as of Sep 30, 2026 (estimate). Equity proxy per home = typical value x mortgage-free share (share of owner-occupied homes without a mortgage, US Census ACS 2024 5-yr, ZCTA level). It is a PROXY: value x mortgage-free share, not verified equity - actual per-home equity depends on real balances, which are not in free public records. Expected value = owner-occupied homes x typical value x mortgage-free share (prioritization heuristic, estimate). Retrieval order: rank by expected value within the 1,028 qualifying ZIPs. Regrid cost: owner-occupied homes x $0.10 per parcel record (published card; $375/mo tier covers first 2,000). Deed-copy cost (not shown): ~$8/home at $5-14 per document. 96 thin-sample ZIPs (under 500 owner-occupied homes) are excluded from ranking but kept in the full sheet. Screening tool only - not a credit, eligibility, or lending decision. ZCTAs are Census statistical areas and differ slightly from USPS ZIPs.