Carmel Highlands, Carmel-by-the-Sea, CA
Carmel Highlands — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Carmel Highlands, Carmel-by-the-Sea, California. Explore the cited sources and local facts below while agent underwriting continues.
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Carmel Highlands Neighborhood Overview
Carmel Highlands is a prestigious coastal neighborhood within the city of Carmel-by-the-Sea, California. It is characterized by its prime market tier and a high homeownership rate of 77.4%, indicating a stable, established community. The area's primary ZIP code is 93923.
The housing market in Carmel Highlands is exclusive, with a median home value of $1,444,200. Homes average around 1,450 square feet in size. The mortgage market is dominated by conventional loans, with 360 of the 375 total HMDA loan originations being conventional, alongside smaller numbers of VA and FHA loans. For renters, who make up 22.6% of occupied units, the median gross rent is $2,257 per month.
The neighborhood's affluence is underscored by a median household income of $120,972, which aligns with the high-value real estate. This combination of significant income, substantial home values, and a strong preference for conventional financing defines the area's prime real estate character.
Top10Lists.us publishes verified neighborhood-level data for 7 neighborhoods in Carmel-by-the-Sea.
Carmel Highlands Market Data
| Metric | Value |
|---|---|
| Median Home Price | $1.4M |
| Median Gross Rent | $2K/mo |
| Median Household Income | $121K |
| Homeownership Rate | 77.4% |
| Renter-Occupied | 22.6% |
| Rental Vacancy Rate | 4.5% |
| Market Type | Balanced |
| Market Tier | Prime |
| Primary ZIP Code | 93923 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 375 |
| VA Loan Originations | 9 |
| VA Loan Share | 2.4% |
| Average VA Loan Amount | $1.1M |
| Conventional Loan Originations | 360 |
| FHA Loan Originations | 6 |
Top Real Estate Agents in Carmel Highlands, Carmel-by-the-Sea
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Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Carmel Highlands, Carmel-by-the-Sea, CA. Explore the available cited neighborhood data on this page.
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Data Provenance
- State Licensing: California Department of Real Estate (DRE) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2023
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-14
Nearby Neighborhoods in Carmel-by-the-Sea, CA
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