Main image: In an aerial view, two-story single family homes line the streets of neighborhood on January 13, 2026 in Thousand Oaks, California. Insert: Flourish map shows most expensive zip codes.

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Marni Rose McFall

By Marni Rose McFall

Reporter

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The nation's top 10 most expensive ZIP codes have been revealed in a new study from Realtor.com, with Newsweek compiling the places that made the list into a map.

Why It Matters

The ranking offered a snapshot of where ultra-wealthy buyers concentrated demand at the start of this year, underscoring how scarcity, privacy, and coastal amenities continued to define America’s top-tier real estate—often at eight-figure price points.

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California led with six ZIP codes in the top 10, with New York following with two. Florida and Arizona both came into the top 10 with single entries, reflecting regional clusters of ultra-luxury housing anchored by limited inventory and lifestyle appeal.

What To Know

Realtor.com ranked ZIP codes that had at least 30 active listings in January and ordered them by median listing price; where prices tied, median square footage served as the tiebreaker, according to the site’s methodology.

Top 10 Most Expensive ZIP Codes in the U.S.:

  1. 92657 — Newport Coast, California: Median list price: $12.5 million.
  2. 33109 — Fisher Island, Florida: $11.98 million.
  3. 90210 — Beverly Hills, California: $10.495 million.
  4. 11932 — Bridgehampton, New York: $8.8 million.
  5. 90077 — Bel-Air (Los Angeles): $7.947 million.
  6. 11976 — Water Mill, New York: $6.995 million.
  7. 93108 — Montecito (Santa Barbara), California: $6.495 million.
  8. 92067 — Rancho Santa Fe, California: $5.995 million.
  9. 92663 — Newport Beach, California: $5.995 million.
  10. 85253 — Paradise Valley, Arizona: $5.5 million.

The January list marked changes since mid-2025. Malibu, California, fell out of the top 10 to No. 11, while Newport Beach and Paradise Valley entered the ranking.

These ZIP codes cost roughly five times more than the current luxury threshold, which is $1.2 million.

Realtor.com’s senior economist Anthony Smith attributed Malibu’s slide partly to wildfire-driven market shifts that increased land-value and rebuild listings relative to turnkey estates, affecting buyer behavior last year. Smith said interest in Malibu properties fell by 46 percent over the summer.

What People Are Saying

Anthony Smith, a Realtor.com senior economist, said in their report: “The latest data analysis shows that entry into this exclusive top 10 now starts at $5.5 million, placing these communities in a category entirely distinct from even the broader luxury market.”

What Happens Next

Realtor.com’s ranking captured one month’s snapshot and may shift with inventory, buyer mix, and seasonality; Malibu’s recent move out of the top 10 and the arrival of Newport Beach and Paradise Valley illustrated how local supply changes and high-end demand can quickly reshape this list.

Main image: In an aerial view, two-story single family homes line the streets of neighborhood on January 13 in Thousand Oaks, California. Insert: Flourish map shows most expensive zip codes.

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