The 7 Most Expensive Zip Codes in the U.S. You Probably Can’t Afford

Living in one of the most expensive zip codes in the United States might seem like a dream for some or something others want to avoid at all costs. Whether you’re dreaming of residing in these posh areas or just curious, it’s interesting to see where these high-end locales are.

According to Zillow, the top seven priciest zip codes were determined using data from December 2023. The company’s Zillow Home Value Index highlights typical home values in these regions, giving us an idea of what it would cost to call these places home.

Let’s take a look at the zip codes where living could make quite a dent in your bank account.

1. Atherton, California – Zip Code 94027

Topping the list is Atherton, California, located in the affluent San Mateo County. With an average home value of $5,675,294 (around ₹46 crore), Atherton is officially the most expensive zip code in the United States.

The town is known for its zoning laws that limit construction to single-family homes on large lots, giving the area a gated and exclusive feel.

While many appreciate the peace and space, these laws have sparked controversy as they are seen by some as a way to keep the community exclusive and unaffordable to most.

Must Read: 10 Places in the U.S. where homes are the most expensive to buy, 5 of them are in California

2. Montecito, California – Zip Code 93108

Montecito has long been known as a haven for celebrities, with residents like Gwyneth Paltrow and the Duke and Duchess of Sussex (Meghan Markle and Prince Harry) calling this town home. The typical home value in Montecito is $4,503,435 (about ₹37.2 crore).

The area is characterized by Spanish-style architecture and luxury homes that offer privacy and exclusivity. Montecito’s scenic beauty and prestigious atmosphere make it a prime spot for the rich and famous.

3. Los Altos, California – Zip Code 94022

Los Altos, located in the heart of the San Francisco Bay Area, boasts a typical home value of $4,495,775 (around ₹37 crore), making it one of the top six most expensive zip codes in the country.

A primarily residential community, Los Altos offers a peaceful, suburban lifestyle with proximity to Silicon Valley. Its scenic landscape and close-knit community vibe make it a popular choice for affluent families seeking a more tranquil lifestyle outside of bustling city life.

4. Newport Beach, California – Zip Code 92657

Known for its picturesque beaches and upscale shopping, Newport Beach is a coastal gem in Southern California. With a typical home value of $4,378,430 (about ₹36.2 crore), the zip code 92657 remains one of the most sought-after addresses in the U.S.

Fans of the TV show The O.C. will recognize this area, which is known for its laid-back, yet luxurious, lifestyle. The mix of surf culture and high-end living makes it a unique destination for wealthy homeowners.

5. Water Mill, New York – Zip Code 11976

Located in the town of Southampton, Water Mill is an affluent community known for its historical roots and luxurious mansions. With home values sitting at an impressive $4,372,420 (approximately ₹36 crore), this New York enclave attracts celebrities and the wealthy alike.

Famous for its historic sites, such as Howell’s Water Mill, the town is also a haven for beach lovers and those seeking high-end living. Celebrities like Jennifer Lopez and Richard Gere have owned homes in this exclusive area.

6. Brunswick, Georgia – Zip Code 31561

Along Georgia’s Atlantic coast lies the scenic Golden Isles, including properties in Little St. Simons Island, Sea Island, and St. Simons Island. The typical home value in Brunswick’s 31561 zip code is about $4,365,388 (around ₹36 crore).

Must Read: 10 Most Dangerous Highways in the U.S: Is Your Daily Commute on This List?

This coastal area is known for its beautiful beaches, historic lighthouses, and high property values, making it one of the priciest zip codes in the southern U.S. It offers a lifestyle of comfort and exclusivity that draws both tourists and wealthy homeowners.

7. Woody Creek, Colorado – Zip Code 81656

Nestled in the Roaring Fork Valley, Woody Creek is a peaceful community near Aspen. With home values averaging around $4,336,373 (about ₹35 crore), this area ranks 10th among the most expensive zip codes in the U.S.

Known for its beautiful surroundings and celebrity residents like Don Henley and John Oates, Woody Creek offers an exclusive retreat for those who can afford it. Despite its small population of just 290 residents, this zip code has become a hotspot for those seeking both tranquility and luxury.

Conclusion

Living in one of these luxurious zip codes is undoubtedly a status symbol, but it comes at a hefty price. From Woody Creek’s serene mountains to Atherton’s private estates, these areas offer much more than just a home—they provide an exclusive lifestyle that only a few can afford.

Whether you’re dreaming of one day living in these regions or just fascinated by the numbers, it’s clear that these zip codes represent the height of luxury living in the U.S.