Salaries Needed in Priciest US ZIP Codes

Want to live in one of the 50 most expensive ZIP codes across America? Key findings from new original research from GOBankingRates indicate the minimum income needed to comfortably pay for a home and mortgage starts at $684,000, and can reach nearly $2 million.

 

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GOBankingRates found America’s priciest ZIP codes by first isolating the 50 ZIP codes with the highest average 2025 home values via December 2025 data available on Zillow. Each ZIP code’s average monthly mortgage was determined assuming a 30-year, fixed-rate mortgage with a 20% down payment and a rate of 6.09% and excluding any P&I, HOA fees or property taxes. From there, we found the minimum salary required to comfortably afford the home by assuming housing costs did not exceed 28% of gross income.

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