Sea Ranch—95497
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sea Ranch
As of Aug '25, the median home price in Sea Ranch is $1,388,000, with a year-over-year change of 0.8%. This indicates that home prices in Sea Ranch are flat. According to Zillow, the 1-year price projection is -2.9%, suggesting a decrease housing market in the next year.
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $897,000 | -0.9% |
2 Bed | $1,264,000 | 0.8% |
3 Bed | $1,605,000 | 2.9% |
4 Bed | $1,851,000 | 2.5% |
| 5 Bed | N/A | N/A |
Rental Trends — Sea Ranch
As of Jul '25, the average rent in Sea Ranch is $3,500, with a year-over-year rent change of NA. 2-bedroom units average $3,500 (NA)
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,500 | $3,500 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $3,500 | $3,500 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
Property Listings — Sea Ranch
As of Aug '25 and according to Realtor.com, the median days on market for a home in Sea Ranch is 98. This is an increase of 77.0% from last year. This indicates that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 15.0%. This is a small percentage of inventory, suggesting little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,800,000 | -1.0% |
Listing Count | 30 | N/A |
| Listings as % of Homes | 0.3% | N/A |
Days on Market | 98 | 77.0% |
Demographics — Sea Ranch
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,200 | 3.4% |
% Under 18 | 0.0% | -100.0% |
| % Under 5 | N/A | N/A |
% Seniors | 68.2% | 18.0% |
% WFH | 50.0% | 242.5% |
% w/ College Degree | 72.1% | 6.0% |
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.8% | -1.3% |
% Black | 0.0% | N/A |
% Hispanic | 2.5% | -83.7% |
% Asian | 4.3% | 437.5% |
% Foreign Born | 8.8% | -52.9% |
Mortgage and Risk — Sea Ranch
According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Sea Ranch in that year was 44. 98.0% of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was 53.0%. Of those, 2.0% were >90% loan to value. This is considered normal, suggesting that mortgage risk is small in Sea Ranch. Investor activity in Sea Ranch is low, as 2.0% of all loans are originated by investors. In 2023, 9.0% of all loans were cash-out refinances, suggesting few homeowners are actively tapping their home's equity.
Mortgages
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
Total Loan Originations | 44 | N/A | N/A |
% Conventional Loans | 98.0% | N/A | N/A |
% Government Loans | 2.0% | N/A | N/A |
% Investor Loans | 2.0% | N/A | N/A |
% Second Loans | 48.0% | N/A | N/A |
% Cash Out Refinance | 9.0% | N/A | N/A |
Rentals and Section 8 — Sea Ranch
As of 2024, the percent of homes in Sea Ranch under the Section 8 program is 46.9%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays homeowners more than the average rental market rate for various home sizes. For each bedroom size, the average difference between HUD payments and market rents is shown in the table below.
Section 8 Market Size
Total Units under HUD | 16 |
Total Units Section 8 | 16 |
% Rentals under Section 8 | 46.9% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,670 |
| 2 Bedroom | -$1,310 | $3,500 | $2,190 |
| 3 Bedroom | N/A | N/A | $2,990 |
| 4 Bedroom | N/A | N/A | $3,170 |
Affordability — Sea Ranch
Home Price to Income Ratio
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
| Home Price to Income Ratio | 11.2 | N/A | N/A |
| Median Home Price | $1,388,000 | N/A | N/A |
| Median Household Income | $122,000 | N/A | N/A |