Median home value in zip code 93923 (Carmel-by-the-Sea, CA) is $2,253,935, up 0.5% year over year. Part of the Salinas, CA metropolitan area.

Home Value$2,253,935

YoY Change

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 93923 (Carmel-by-the-Sea).

Income (annual)

Down Payment

$450,787 on $2,253,935

Example: $75,000 household income. Change it above to see your own.

Out of reach206.1% of income

Need $552,043/yr to afford.

PITI$12,881

P/I206.1%

Afford$306K

Gap-$1.95M

P&I $11,397Tax $1,334Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

93923 is part of the Salinas, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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