CautiousUpdated MAY 20, 2026

Fresno, CA

ZIP 93721·Fresno County·Fresno, CA·7,606 residents·Median income $32,602·Leaning Buyer

93721 · Fresno, CA has a HavenScore of 34 — momentum signals are loosening in buyers' favor versus three months ago.

Compare
34
▲ +12 / 90d#36/49 in CAHavenScore
Rank

Ranked #12,936 of 13,130 nationally · #5,295 of 5,378 small market ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
34/100
Growth
34/100
Risk
32/100
Momentum
25/100
Livability
62/100
Score · trailing 12 mo
22 → 34
+12 points
30-day
0
90-day
+12
1-yr
+12

Snapshot

Numbers at a glance

Median price
$201,491
Typical home value
YoY change
-4.54%
12-mo trailing
Price-to-income
6.2×
healthy <4.0×
Est. monthly
$1,223
PITI · 20% · 6.51%
Active listings
7
current count
Days on market
58
median DOM
Vacancy
8.1%
Average
Owner-occupied
8%
of homes
Denial rate
31.1%
Above-average
Lending activity
11,014
originations
Net migration
-18.8%
net outflow
Income inflow
$62k
average
Walkability
14.8
Above-average
Risk rating
Relatively High
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
34/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
34/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
32/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
25/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds1
  • Few price reductions
    Only 0% of listings cutting price
Headwinds5
  • High price-to-income
    6.2× income — well above the national median
  • Declining prices
    -4.5% year-over-year
  • Population outflow
    -18.8% net — people leaving
  • Elevated unemployment
    8.2% unemployment rate
  • Potentially overvalued
    70% above historical price-to-income
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions easing in buyers' favor. Sign in to save this ZIP and track how the score moves.

-24
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+2.0%$201k
🔒 Haven
Falling

Inventory

−12.5%7

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$201,491

▼ -4.54% YoY
Median Rent

—

Active Inventory

7

Days on Market

58 days

Price Cuts

0.00%

Price-to-Income

6.2×

Median Income

$32,602

Population

7,606

Overvaluation

+70.25%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$1,223/ mo

20% down · 30-yr fixed · 6.51% · tax 0.71%

Principal$145
Interest$874
Property tax$119
Insurance$84
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $32,602

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report93721Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 93721 on Affordability and Growth — sorted by lowest median value.

ZIP 96039
Happy Camp
CA
41
$150,181-7.57%
ZIP 93252
Maricopa
CA
42
$182,261-5.01%
ZIP 96109
Doyle
CA
44
$183,311+1.50%
ZIP 93205
Bodfish
CA
34
$190,015-0.04%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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