Most Expensive Zip Codes in the U.S.

These U.S. zip codes are the epitome of luxury living.

Explore the priciest zip codes in the U.S., where luxury living reaches new heights. With lavish mansions and breathtaking landscapes, these areas attract the wealthiest individuals, from celebrities to business leaders and beyond.

Join us on a tour of the most expensive zip codes that define opulence in the United States.

14) 95070: Saratoga, California

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Median home sale price: $3.7 million

The town of Saratoga exudes an air of affluence and exclusivity and ranks among the most upscale residential communities in Silicon Valley. Nestled in the foothills of the Santa Cruz Mountains, the area is renowned for its grand estates and expansive properties.

Saratoga’s blend of top-rated schools and proximity to tech hubs contribute to its desirability and cost.

*Data comes from a Property Shark 2023 report.

13) 94028: Portola Valley, California

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Median home sale price: $3.8 million

Like Saratoga, the demand for real estate in Portola Valley is driven by its proximity to Silicon Valley, making it a desirable haven for tech executives and entrepreneurs.

The town’s commitment to preserving its rural character, stringent zoning regulations and limited housing development contribute to its reputation for luxury homes with substantial acreage that few can afford.

12) 94024, 94022: Los Altos, California

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

Also in Silicon Valley, Los Altos attracts families seeking closeness to major tech hubs like Palo Alto and Mountain View. Two of its zip codes are some of the most expensive in the U.S. They both offer sprawling estates with modern luxury homes and well-regarded school systems.

Limited housing and the demand for spacious, high-end residences contribute to the city’s steep property values.

11) 92067: Rancho Santa Fe, California

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Median home sale price: $4.25 million

Finally, we get to an area that is not in Silicon Valley. This affluent community, located just north of San Diego, is renowned for its massive estates, equestrian properties and meticulously designed homes.

With its lush landscapes, private golf courses, and serene ambiance, Rancho Santa Fe attracts high-net-worth families seeking a refined and secluded lifestyle. The demand for its grand residences, coupled with a limited supply of available properties and top-notch amenities, solidifies the city’s status as one of the most expensive and prestigious residential areas in the nation.

10) 98039: Medina, Washington

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Median home sale price: $4.39 million

Nestled on the shore of Lake Washington, this exclusive enclave is known waterfront mansions, owned by high-profile individuals, including several tech billionaires. (Bill Gates owns a home here.)

Its proximity to the tech hubs of Seattle and Bellevue and its tranquil suburban atmosphere make it the most desirable locale in Washington State.

9) 90402: Santa Monica, California

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Median home sale price: $4.49 million

Santa Monica’s real estate market is marked by high-end residences, upscale condominiums and oceanfront properties that command top dollar.

The city’s appeal lies not only in its breathtaking beach views but also in its vibrant cultural scene, upscale shopping along the Third Street Promenade and world-class dining options. (And don’t forget the iconic Santa Monica Pier!)

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

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

Three Newport Beach zip codes are some of the most expensive in the country. Newport Beach is renowned for its upscale neighborhoods, exclusive waterfront properties and a thriving yachting culture. The city’s Balboa Peninsula and Corona del Mar areas feature high-end estates with stunning ocean views and private docks

The demand for these luxurious residences, combined with the city’s vibrant lifestyle, upscale shopping districts and renowned dining scene, contribute to Newport Beach’s status as one of the most coveted residential destinations in the nation.

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

Windmill at Villa Maria Convent in Water Mill

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Median home sale price: $4.5 million

The picturesque town of Water Mill was established on Long Island in 1644 when England approved a mill to be built for settlers to grind their grain. Today, it is one of the most exclusive zip codes in the U.S., with its grand mansions, upscale dining and proximity to the Hamptons.

Many celebrities, including Richard Gere and Jennifer Lopez, own homes or vacation here. The city still has a functioning watermill and a windmill.

6) 94970: Stinson Beach, California (Tie)

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Median home sale price: $4.5 million

The real estate in Northern California’s Stinson Beach commands premium prices, with high demand driven by its idyllic setting, proximity to San Francisco and a limited supply of homes.

Its reputation as an exclusive seaside community contributes to its high cost of living and makes it a much-desired destination for those looking to enjoy the tranquility of beachfront living in a stunning West Coast setting.

5) 90210: Beverly Hills, California

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Median home sale price: $4.8 million

Most everyone who’s anyone in the entertainment industry calls Beverly Hills home. The city stands as a symbol of luxury, opulence and exclusivity and is renowned for its palm tree-lined streets, upscale boutiques along Rodeo Drive and stately mansions.

Beverly Hills also boasts meticulously manicured parks and world-class restaurants and consistently attracts those seeking a lifestyle marked by prestige.

4) 93108: Santa Barbara, California

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Median home sale price: $5 million

Nestled between the Santa Ynez Mountains and the Pacific Ocean, Santa Barbara attracts a discerning residents seeking a blend of upscale living and natural beauty that’s just two hours away from Los Angeles.

Santa Barbara’s reputation as a celebrity haven traces its roots to the era of silent films. In 1928, Charlie Chaplin took the lead in establishing the Montecito Inn. Today, Prince Harry and Meghan Markle, Tom Cruise, Jennifer Lopez, Steven Spielberg, Whoopi Goldberg, Kevin Costner, Ellen DeGeneres and Oprah Winfrey are among the Hollywood luminaries who call the area home.

3) 33109: Miami Beach, Florida

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Median home sale price: $5.5 million

Miami Beach, Florida — the only entry on this list not in New York or California — epitomizes luxury living in the southernmost state in the country. The city’s high-end properties, including waterfront homes and ocean-view condos, can demand high prices due to strong demand and limited availability.

South Beach, in particular, attracts an affluent and diverse community drawn to the city’s tropical beauty, nightlife and opulent amenities.

2) 11962: Sagaponack, New York

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Median home sale price: $8.1 million

The most expensive zip code in New York State is in Sagaponack on Long Island, which is known for its pristine beaches, expansive waterfront properties and a peaceful rural atmosphere.

Home to numerous celebrities, CEOs and other affluent people, its proximity to the Hamptons only adds to its appeal. The area is dotted with upscale restaurants, art galleries and high-end boutiques, providing a lifestyle synonymous with sophistication.

1) 94027: Atherton, California

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Median home sale price: $8.3 million

Atherton tops the list for its exorbitant cost of living and real estate. Nestled in the heart of Silicon Valley, the town attracts a wealthy demographic, including high-profile executives, entrepreneurs and professionals.

This small, mostly residential town located is about 45 minutes south of San Francisco and less than 20 minutes from the offices of Facebook, Google and Tesla. Large properties with spacious lots, coupled with high-quality schools and exclusive community services only add to the Atherton’s allure.