America’s Most Expensive ZIP Codes in 2025 Revealed
In July 2025, Realtor.com released its new ranking of the most expensive ZIP codes in the United States, offering a snapshot of where America’s wealthiest buyers are investing in real estate. The list shows just how far luxury has pushed away from the national median, with prices in these exclusive enclaves sitting firmly in a category of their own.
At the very top stands 33109, Fisher Island in Miami Beach, Florida, with a breathtaking median listing price of 11.9 million dollars. To put it in perspective, that’s roughly 27 times higher than the national median home price. On Fisher Island, virtually every listing starts at over one million dollars, and the 90th percentile price has jumped nearly 19 percent year over year. It’s a market defined not only by scarcity but also by global demand, as the island is accessible only by ferry or private boat and remains one of the most exclusive residential areas in the world.
While Miami Beach takes the crown, California dominates the rest of the ranking, reinforcing its position as the epicenter of ultra-luxury housing. The Golden State holds five spots within the top ten most expensive ZIP codes:
- 92657, Newport Coast – 9.1 million dollars
- 90077, Bel-Air (Los Angeles) – 8.23 million dollars
- 93108, Montecito (Santa Barbara) – 6.995 million dollars
- 93110, Hope Ranch (Santa Barbara) – 6.874 million dollars
- 90210, Beverly Hills – 6.869 million dollars
Each of these ZIP codes is not only a famous name but also a shorthand for prestige. Bel-Air and Beverly Hills carry global recognition, while Montecito and Hope Ranch have drawn celebrities, tech leaders, and investors looking for space and privacy along the California coast. Newport Coast, perched above the Pacific with panoramic views, continues to attract international wealth seeking the Southern California lifestyle.
The Hamptons in New York also make a strong showing. 11932, Bridgehampton posts a median of 8.495 million dollars, while 11976, Water Mill follows closely at 6.845 million dollars. These coastal enclaves remain some of the most sought-after summer destinations in the country, where oceanfront estates and sprawling compounds routinely trade hands at prices rivaling California’s best.
What these numbers reveal is a clear separation between ordinary high-end homes and the rarest tier of American real estate. Properties in these ZIP codes are not just expensive—they belong to a different category altogether, where the typical listing price surpasses 5.7 million dollars and the buyer pool is made up almost exclusively of ultra-high-net-worth individuals.
For the broader housing market, the takeaway is that luxury continues to accelerate despite wider affordability challenges nationwide. While most buyers grapple with rising mortgage rates and limited supply at the middle and lower tiers, the top one percent of the market shows resilience, with demand surging in locations that combine exclusivity, lifestyle, and brand recognition.
In short, Fisher Island may hold the crown for now, but whether it’s California’s cliffside mansions or the Hamptons’ oceanfront retreats, America’s most expensive ZIP codes define not just property values, but also the pinnacle of wealth, status, and aspiration in today’s housing market.