ZIP Code 90404 — Santa Monica, CA Home Prices (2026)
The typical home in ZIP 90404 (Santa Monica, California) is worth about $1,048,000 at roughly $818 per square foot — 28% more affordable than the Santa Monica median and 256% more expensive than the typical U.S. home.
How 90404 compares
ZIP 90404 is one of the more affordable ZIP codes in Santa Monica: its typical home value of $1,048,000 ranks #5 of the 5 Santa Monica ZIP codes we track (the citywide range runs from $1,048,000 in 90404 to $4,833,000 in 90402). Per square foot it costs about $818, against $1144 for Santa Monica as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 90404 | $1,048,000 | $818 |
| Santa Monica, CA | $1,447,000 | $1144 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 90404
Using this ZIP’s rate of about $818 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $818,000 |
| 1,500 sq ft | $1,227,000 |
| 2,000 sq ft | $1,636,000 |
| 2,500 sq ft | $2,045,000 |
| 3,000 sq ft | $2,454,000 |
Salary needed to buy a home in ZIP 90404
To buy the typical $1,048,000 home in ZIP 90404 with 20% down, you need a household income of roughly $285,000 a year (about $6,650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $339,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $52,400 | $8,270/mo | $354,000/yr |
| 10% (+PMI) | $104,800 | $7,900/mo | $339,000/yr |
| 20% | $209,600 | $6,650/mo | $285,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 90404
At about $818 per square foot, here is roughly how much home different budgets get you in ZIP 90404:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $500k | 610 sq ft | below the local median — condos, smaller or older homes |
| $600k | 730 sq ft | below the local median — condos, smaller or older homes |
| $750k | 920 sq ft | below the local median — condos, smaller or older homes |
| $1.00M | 1220 sq ft | around the typical home here |
| $1.50M | 1830 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 90404 home.
Estimate a specific home in 90404
The estimator below is pre-set to ZIP 90404 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Santa Monica ZIP codes by home value
Where 90404 sits among Santa Monica’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 90402 | $4,833,000 | $1854 |
| 2 | 90405 | $1,935,000 | $1144 |
| 3 | 90403 | $1,447,000 | $998 |
| 4 | 90401 | $1,280,000 | $1281 |
| 5 | 90404 (this page) | $1,048,000 | $818 |
ZIP 90404 home prices: frequently asked
What is the average home price in ZIP code 90404? +
What is the price per square foot in 90404? +
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Is 90404 an expensive ZIP code? +
See the full Santa Monica home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.