Most Expensive Zip Codes in the United States

Explore some of the most expensive zip codes in the U.S., where luxury real estate, elite communities and exceptional scenery come together. From Silicon Valley estates to oceanfront homes in the Hamptons and Southern California, these prestigious areas attract wealthy residents, celebrities, entrepreneurs and business leaders.

This list highlights high-end residential markets known for multimillion-dollar homes, limited inventory, desirable locations and lifestyles defined by privacy, exclusivity and comfort.

14) 95070: Saratoga, California

Median home sale price: $3.7 million

Saratoga is one of Silicon Valley’s most refined residential communities. Set in the foothills of the Santa Cruz Mountains, the town is known for elegant estates, spacious lots and a quiet atmosphere that appeals to affluent buyers seeking privacy without being far from major technology centers.

Its highly regarded schools, scenic surroundings and proximity to Silicon Valley employers all contribute to the area’s strong demand and high property values.

Data comes from a PropertyShark 2023 report.

13) 94028: Portola Valley, California

Median home sale price: $3.8 million

Portola Valley’s real estate market benefits from its location near Silicon Valley, making it especially appealing to technology executives, entrepreneurs and professionals who want a peaceful retreat close to major business hubs.

The town is also known for preserving its rural character. Strict zoning rules, limited housing development and large residential parcels help maintain its exclusive feel, while also keeping home prices among the highest in the country.

12) 94024, 94022: Los Altos, California

Median home sale price: 94024 ($4 million), 94022 ($3.99 million)

Los Altos is another Silicon Valley community where demand remains consistently strong. Families and professionals are drawn to its proximity to Palo Alto, Mountain View and other major tech hubs, as well as its quiet neighborhoods and strong school systems.

Two Los Altos zip codes rank among the most expensive in the United States. The area is known for modern luxury homes, expansive properties and a limited supply of available housing, all of which contribute to its steep real estate prices.

11) 92067: Rancho Santa Fe, California

Median home sale price: $4.25 million

Located just north of San Diego, Rancho Santa Fe is a prestigious community known for grand estates, equestrian properties and beautifully designed homes. Its lush landscapes and quiet streets create a secluded atmosphere that appeals to high-net-worth buyers.

Private golf courses, generous lots and a refined residential setting make Rancho Santa Fe one of the most desirable luxury real estate markets in California. Limited availability and strong demand continue to support its position among the most expensive zip codes in the nation.

10) 98039: Medina, Washington

Median home sale price: $4.39 million

Medina sits along the shore of Lake Washington and is known for its exclusive waterfront mansions. The area has long attracted high-profile residents, including technology leaders and billionaires. Bill Gates owns a home here.

Its location near Seattle and Bellevue gives residents convenient access to major business centers while preserving a calm suburban environment. Waterfront views, privacy and proximity to the region’s technology economy make Medina the most expensive zip code in Washington State.

9) 90402: Santa Monica, California

Median home sale price: $4.49 million

Santa Monica’s luxury real estate market includes high-end homes, upscale condominiums and oceanfront properties that often command premium prices. Its coastal setting and strong lifestyle appeal make it one of Southern California’s most sought-after places to live.

The city offers beach views, a lively cultural scene, upscale shopping along the Third Street Promenade and a wide range of acclaimed dining options. The iconic Santa Monica Pier adds to the area’s identity and enduring appeal.

8) 92661, 92657, 92662: Newport Beach, California

Median home sale price: 92661 ($4.5 million), 92657 ($4.18 million), 92662 ($3.9 million)

Newport Beach has three zip codes among the most expensive in the country. The city is known for upscale neighborhoods, exclusive waterfront homes and a thriving boating and yachting culture.

Areas such as the Balboa Peninsula and Corona del Mar feature luxury estates with ocean views, private docks and access to some of Orange County’s most desirable coastal amenities. Upscale shopping, fine dining and an active seaside lifestyle continue to drive strong demand for Newport Beach real estate.

6) 11976: Water Mill, New York (Tie)

Median home sale price: $4.5 million

Water Mill is a historic Long Island community with roots dating back to 1644, when a mill was approved for settlers to grind grain. Today, it is one of the most exclusive zip codes in the United States, known for grand homes, refined dining and its proximity to the Hamptons.

The area attracts affluent residents and vacation homeowners, including well-known figures such as Richard Gere and Jennifer Lopez. Water Mill still has a functioning watermill and a windmill, adding historic character to its luxury appeal.

6) 94970: Stinson Beach, California (Tie)

Median home sale price: $4.5 million

Stinson Beach in Northern California commands premium real estate prices thanks to its scenic coastline, limited housing supply and proximity to San Francisco. The community offers a rare combination of beachfront living and natural beauty.

Its reputation as an exclusive seaside destination makes it especially desirable for buyers seeking tranquility, privacy and dramatic West Coast scenery. With few available homes and consistent demand, Stinson Beach remains one of the priciest zip codes in the United States.

5) 90210: Beverly Hills, California

Median home sale price: $4.8 million

Beverly Hills is one of the most recognizable symbols of luxury living in America. The 90210 zip code is associated with entertainment industry figures, palm-lined streets, designer boutiques on Rodeo Drive and impressive mansions.

The city also offers manicured parks, upscale restaurants and a lifestyle centered on prestige and exclusivity. Its global reputation and limited supply of prime properties help keep Beverly Hills among the most expensive real estate markets in the country.

4) 93108: Santa Barbara, California

Median home sale price: $5 million

Santa Barbara, set between the Santa Ynez Mountains and the Pacific Ocean, attracts residents seeking upscale living in a setting known for natural beauty. Located about two hours from Los Angeles, it offers a quieter coastal lifestyle while remaining connected to Southern California.

The area has long been associated with celebrities, with roots in the silent film era. In 1928, Charlie Chaplin helped establish the Montecito Inn. Today, notable residents associated with the area include Prince Harry and Meghan Markle, Tom Cruise, Jennifer Lopez, Steven Spielberg, Whoopi Goldberg, Kevin Costner, Ellen DeGeneres and Oprah Winfrey.

3) 33109: Miami Beach, Florida

Median home sale price: $5.5 million

Miami Beach represents one of the most expensive luxury real estate markets outside California and New York. High-end waterfront homes, ocean-view condominiums and limited availability help drive prices in this prestigious Florida zip code.

South Beach, in particular, draws an affluent and diverse community attracted to tropical scenery, nightlife, luxury amenities and access to the water. The combination of lifestyle, climate and exclusivity keeps Miami Beach near the top of the national rankings.

2) 11962: Sagaponack, New York

Median home sale price: $8.1 million

Sagaponack, located on Long Island, is the most expensive zip code in New York State. It is known for pristine beaches, expansive waterfront properties and a peaceful rural atmosphere that appeals to affluent buyers seeking privacy.

The area is home to celebrities, CEOs and other wealthy residents, and its proximity to the Hamptons adds to its prestige. Upscale restaurants, art galleries and high-end boutiques help create a sophisticated lifestyle that continues to attract luxury homebuyers.

1) 94027: Atherton, California

Median home sale price: $8.3 million

Atherton ranks as the most expensive zip code on this list, driven by extraordinary home prices and its prime location in the heart of Silicon Valley. The town attracts wealthy executives, entrepreneurs and professionals who value privacy, space and proximity to major technology companies.

This small, mostly residential community is about 45 minutes south of San Francisco and less than 20 minutes from the offices of Facebook, Google and Tesla. Large properties, spacious lots, high-quality schools and exclusive community services all contribute to Atherton’s exceptional appeal and its place at the top of the U.S. luxury real estate market.