旧金山湾区现金买房琅琊榜最牛：核桃溪

文章是转载的，今天早上刚看到。网址和全文（英文）都见下。

大意就是：越是豪宅更豪宅的邮政编码所在，现金买房百分比越高。

琅琊榜排名第二的Atherton之邮政编码94027，典型（typical）房价在7百万美刀以上。

而琅琊榜排名第一的邮政编码在哪个城市呢？

原来是我们的邻居，核桃溪市（Walnut Creek）的94595邮政编码地区，咱们跟着也自豪一把？

阿立注：这里每个城市都有好几个邮政编码。总而言之、言而总之，并非核桃溪市哪里都是豪宅遍地。咱们城市也一样，有很多邮政编码。我们住的地方，肯定不是豪宅遍地，但还是相当不错、灰常安全又便利的好地方。

杭州阿立

2025年2月4日

原文网址：

https://www.sfchronicle.com/realestate/article/home-cash-sales-by-zip-20066008.php 
These Bay Area ZIP codes have the highest percentage of all-cash home purchases
By Christian Leonard,Data ReporterFeb 2, 2025

Homes and structures in Rossmoor. The ZIP code containing Rossmoor has the highest rate of cash home sales in the Bay Area, in part because of the difficulty of obtaining home insurance.

Lea Suzuki/The Chronicle
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In the Bay Area, where the typical home costs seven figures, affording a monthly mortgage payment is increasingly out of reach for many — especially as home insurance gets harder to come by.
But in a few of the region’s wealthiest ZIP codes, most buyers are avoiding those costs entirely — by buying their home in cash.
That was the case for nearly two-thirds of home sales in Atherton, which has some of the most expensive homes in the country, in 2024. The percentage was up from 2019, when roughly 59% of sales in the city were made in cash, according to data from real estate company Redfin.
But Atherton had only the second highest share of cash sales among Bay Area ZIP codes, among those with at least 50 total sales from January 2024 to November 2024. The 94595 ZIP code in Walnut Creek had a slightly higher percentage: 67%, up from 51% in 2019.
Redfin defines a cash sale as a home purchase with no mortgage loan information on the deed, and its Bay Area data includes San Francisco, San Mateo, Alameda, Contra Costa and Santa Clara counties (that is, no North Bay counties).
Bay Area ZIP codes by share of home sales made in cash
Through November of each year
In 2024, the 94595 and 94027 ZIP codes, in Walnut Creek and Atherton respectively, had the highest cash home sales, at 66.9% and 65.7%.
 Page 1 of 12  
Table with 3 columns and 166 rows. Currently displaying rows 1 to 15. Sorted descending by column "2024"
ZIP
2019
2024
94595 (Walnut Creek)
50.6%
66.9%
94027 (Atherton)
59.3%
65.7%
94301 (Palo Alto)
45.3%
51.8%
94105 (San Francisco)
35.3%
51.1%
94123 (San Francisco)
33.3%
49.2%
94133 (San Francisco)
35.1%
48.4%
95135 (San Jose)
36.8%
44.1%
94109 (San Francisco)
33.6%
41.7%
94028 (Portola Valley)
29.2%
40.8%
94022 (Los Altos)
38.9%
40%
94115 (San Francisco)
26.1%
39.5%
94705 (Berkeley)
22.8%
38.2%
94025 (Menlo Park)
31.2%
38.2%
95030 (Los Gatos)
27%
38.1%
94118 (San Francisco)
22.8%
37.7%
For ZIP codes with at least 50 sales each year. Data include San Francisco, San Mateo, Alameda, Contra Costa and Santa Clara counties.
Table: Christian Leonard / The Chronicle  Source: Redfin
Walnut Creek’s 94595 ZIP code includes the upscale Rossmoor community. Many residents are retirees who have sold more expensive homes elsewhere before moving there, allowing them to buy their new homes in cash. But part of the rise in cash sales could be because California’s insurance crisis has also made it much harder for buyers there to secure a mortgage. That makes cash purchases — for those who can afford it — a much more straightforward option.
Both Atherton and Rossmoor had rates of cash sales that are much higher than in the Bay Area overall. According to a June 2024 Redfin report, just 28% of home sales made in San Francisco and San Mateo counties were made in cash.
The rate of cash purchases for most of the Bay Area has trailed the U.S. figure for years. In part, that’s because the region’s high home prices mean few but the very wealthy can cover the entire cost of a house. But it’s also because investors with cash looking to “flip” a home stand a better chance of making a profit by purchasing lower-priced homes in other regions, which draw a more competitive pool of buyers, according to Redfin.
Within the Bay Area, the opposite trend holds. Higher home values appear to correlate with more cash purchases, data from Redfin and real estate company Zillow show. In Bay Area ZIP codes where the typical home value is at least $2 million, about 26% of home sales last year were made in cash. The same was true of just 17% of home sales where the typical home value is between $1.2 million and $1.5 million.
Bay Area ZIP codes with higher home values have more home sales made in cash
Share of home sales made in cash, from January 2024 to November 2024
About 26% of home sales made in ZIP codes with typical home values of $2,000,000 or above were made in cash, compared to 17% of those valued at less than $1,500,000