The Most Popular ZIP Codes For Vacation Homes In Every U.S. State

Dan Green
Mortgage Expert Homebuyer.com
Updated September 20, 2024

Understanding Vacation Home Markets

Vacation home buyers are particularly attracted to beach towns and recreational destinations across the United States.

In 2022, vacation home buyers represented 3.43 percent of all U.S. home buyers, creating distinct markets in leisure-focused communities. These buyers target locations that offer recreation, natural beauty, and lifestyle amenities different from their primary residences.

Key Findings

Our research reveals significant trends in vacation home purchasing:

  • Beach Town Dominance: Jersey Shore and Delaware Beach communities lead vacation home purchases
  • High Market Concentration: 39 states have at least one ZIP code where second-home buyers represent 50% or more of all buyers
  • Widespread Appeal: Every state except two has at least one ZIP code where vacation home buyers represent at least 25% of purchases
  • Price Variations: Average loans range from $141,667 in University, Kansas to $2.96 million in Big Sky, Montana
  • Geographic Diversity: Top markets span from coastal areas to mountain retreats

Study Overview

This Homebuyer.com housing market study, titled "The Most Popular ZIP Codes For Vacation Homes In Every U.S. State," uses data from the FFEIC and the Home Mortgage Disclosure Act (HMDA) to identify where vacation homes are being purchased.

The study reviews all 50 states and provides insights into second-home buyer household incomes, property values, and loan amounts across diverse recreational markets.

Top 10 ZIP Codes For Vacation Homes

The following table showcases the ZIP codes with the highest concentration of vacation home buyers:

#1: Stone Harbor, New Jersey 08247

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Situated on the Seven Mile Island in Cape May County, New Jersey, Stone Harbor is a serene coastal town graced with an ideal mix of natural beauty and quaint urban charm. The shore town's eastern border meets the Atlantic Ocean, offering pristine beaches and a captivating seascape. Economically, the appeal of Stone Harbor, especially within the ZIP code 08247, lies in its optimal blend of upscale amenities and secluded coastal ambiance. Stone Harbor has cemented its reputation as a premium vacation destination home to boutiques, art galleries, and gourmet eateries. The property market reflects a predominance of luxury homes and condos, indicative of the high demand among vacation home buyers. A significant factor bolstering the area's desirability is the preservation of its wetlands and bird sanctuaries, ensuring that, while urban development persists, nature's beauty remains untouched. The unique equilibrium between upscale living and nature's tranquility makes 08247 a prime spot for those seeking a blend of leisure and luxury.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#2: Fenwick Island, Delaware 19944

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Nestled between the Atlantic Ocean to the east and the Little Assawoman Bay to the west, Fenwick Island in the ZIP code 19944 stands as a captivating blend of coastal serenity and vibrant community activities. This barrier island, part of Sussex County, Delaware, has long drawn vacation home buyers with its prime oceanfront properties and tranquil bay views. Fenwick Island's economy thrives on tourism and real estate, making it a natural hotspot for second home investments. Its geographic location ensures miles of sandy beaches, ideal for sunbathing, beachcombing, and watersports. Beyond the beaches, the area boasts a rich marine ecosystem, with the bay providing opportunities for fishing and kayaking. The town's limited commercial development ensures a quiet, laid-back atmosphere while still providing essential amenities and entertainment venues. With a balance of natural allure and modern conveniences, 19944 emerges as a favored choice for discerning vacation home buyers seeking both recreation and relaxation.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#3: Bethel, Oklahoma 74724

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Located in the southeastern corner of the state within McCurtain County, Oklahoma, the area covered by ZIP code 74724 encompasses the town of Broken Bow. This region is distinguished not just by its picturesque town charm but also by its proximity to the expansive Broken Bow Lake and the lush landscapes of Beavers Bend State Park. Economically, Broken Bow has seen an uptick in real estate interest, notably among vacation home buyers, as awareness of its natural beauty spreads. The vast pine forests, clear waters of the lake, and the undulating Ouachita Mountains offer many outdoor recreational activities, from hiking and bird-watching to boating and fishing. The region's seclusion, coupled with its rich natural resources, presents a compelling value proposition. Properties in 74724 offer a retreat from the urban hustle, a promise of serene lakefront or forest views, and an immersive experience in one of Oklahoma's most biodiverse regions. The blend of rustic wilderness and the convenience of a town setting underscores the ZIP code's appeal to vacation home investors.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#4: Ludlow, Vermont 05149

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Nestled in Windsor County, Vermont, the town of Ludlow, represented by ZIP code 05149, serves as the gateway to the state's scenic landscapes and offers a captivating blend of New England charm and recreational allure. The region's economic pulse beats in sync with seasonal attractions, most notably the Okemo Mountain Resort, which transforms Ludlow into a winter wonderland for skiers and snowboarders. However, Ludlow's appeal extends beyond the snowy slopes. The warmer months reveal a canvas of lush green forests, providing ideal settings for hiking, mountain biking, and golfing. The town itself is a mosaic of historic buildings, artisan shops, and local eateries, presenting a rich tapestry of cultural and gastronomic experiences. The promise of multi-seasonal activities combined with the serene beauty of Vermont's countryside makes 05149 a sought-after ZIP code. Vacation home buyers are not just investing in property but also in an enriching lifestyle marked by nature, recreation, and New England's timeless allure.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#5: Naples, Florida 34102

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Situated in Collier County, Florida, the Gulf Coast ZIP code of 34102 encompasses a significant portion of Naples, a city renowned for its luxury residences, upscale shopping, and white-sand beaches. Naples' geography offers a mesmerizing juxtaposition of tranquil coastlines alongside the serene backwaters of Naples Bay. From an economic perspective, the area's robust real estate market mirrors its appeal among vacation home buyers. With many waterfront properties, homes in this ZIP code often command views of the Gulf of Mexico, the bay, or the intricate network of canals weaving through the city. The charm of Naples doesn't merely rest in its scenic beauty. The historic Naples Pier, the vibrant downtown with its art scenes and dining establishments, and the proximity to natural wonders like the Ten Thousand Islands have rendered 34102 a nexus of luxury, leisure, and nature. The convergence of these elements positions Naples as a premier destination for those seeking an upscale vacation home amidst a paradise-like setting.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#6: Nantucket, Massachusetts 02554

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Located approximately 30 miles south of Cape Cod in Nantucket County, Massachusetts, the island of Nantucket, falling under ZIP code 02554, exudes an unmatched maritime charm. As a designated National Historic District, Nantucket's cobblestone streets and preserved whaling-era architecture underscore its rich historical tapestry and its enduring appeal as a destination. From an economic viewpoint, Nantucket's real estate market remains resilient, buoyed by the sustained interest of vacation home buyers. Its exclusivity, combined with limited development due to land conservation efforts, adds a premium to properties in this enclave. Nantucket offers many attractions, from its pristine beaches like Surfside and Jetties to cultural experiences at the Whaling Museum. The island's maritime heritage is palpable in its yacht-filled harbors, while artisanal boutiques and seafood eateries offer a taste of its modern-day sophistication. For vacation home investors, 02554 is more than just a postal code; it's an entry into an island sanctuary where history, luxury, and natural beauty interlace seamlessly.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#7: Banner Elk, North Carolina 28604

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Situated in the Blue Ridge Mountains in Avery County, North Carolina, ZIP code 28604 encompasses the town of Banner Elk. This highland retreat, enveloped by Avery County's majestic peaks, presents an idyllic setting that resonates with both serenity and adventure. Over the years, Banner Elk's economy has garnered momentum from its role as a prime mountainous vacation destination. The presence of the Beech Mountain and Sugar Mountain ski resorts accentuates the region's winter appeal, drawing snow enthusiasts for skiing, snowboarding, and tubing. However, its allure isn't confined to colder months. The verdant expanses of the Blue Ridge beckon hikers, mountain bikers, and nature lovers throughout the year. Architecturally, the town itself displays a harmonious blend of rustic mountain homes and modern estates. For vacation home buyers, properties in 28604 offer not just a residence but an immersive experience in the heartland of North Carolina's high country. The promise of year-round recreational opportunities, complemented by the backdrop of the Appalachians, makes Banner Elk a compelling choice for secondary home investments.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#8: Westerly, Rhode Island 02891

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Nestled in the southwesternmost corner of the state, in Washington County, Rhode Island, Westerly is a coastal gem with a diverse range of attractions that blend New England charm with seaside allure. Westerly's geographic orientation along the Pawcatuck River and the Atlantic Ocean gives it both riverside tranquility and oceanic majesty. The array of properties—spanning from historic Victorian homes to contemporary coastal estates—reveals the area's significance in the vacation home market. One of the standout features of Westerly is its array of beaches, with Misquamicut State Beach being a premier attraction, drawing beachgoers with its expansive sandy shoreline. The town's cultural vibrancy is epitomized in its art galleries, theaters, and the iconic Granite Theatre. The juxtaposition of art, history, and nature solidifies Westerly's reputation as a holistic vacation destination. Investors eyeing 02891 are essentially looking at a harmonious blend of coastal relaxation, rich cultural experiences, and New England's timeless elegance.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#9: Durbin, West Virginia 26264

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Located in Pocahontas County, West Virginia, Durbin is enveloped by the Monongahela National Forest, reflecting the rugged beauty characteristic of West Virginia's highlands. Durbin offers a quintessential Appalachian experience, where the rushing waters of the Greenbrier River meet dense forests and mountainous terrains. Economically, Durbin's real estate potential taps into its appeal to those seeking solace in nature. The town is a magnet for outdoor enthusiasts, lured by fishing, hiking, and hunting prospects in the encompassing national forest. The vintage Durbin & Greenbrier Valley Railroad is a nostalgic nod to the region's history, offering scenic rides through the picturesque landscape. Vacation home buyers considering 26264 are essentially eyeing an investment in unspoiled natural beauty punctuated by the charm of a small mountain town. With its proximity to wilderness and enduring rustic allure, Durbin stands as a preferred choice for those desiring an authentic West Virginian retreat.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

#10: Vail, Colorado 81657

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Located in the heart of the Colorado Rockies, Vail, in Eagle County, Colorado, is globally renowned as a premier winter sports destination. The town's economic backbone is intricately intertwined with the ski industry, with Vail Mountain being one of the largest ski resorts in the world. Geographically, Vail is nestled in a narrow valley, which is surrounded by the imposing White River National Forest, ensuring breathtaking vistas at every turn. The Gore Range to the north and the Sawatch Range to the south provide a dramatic backdrop to this alpine town. But Vail's appeal extends beyond its snowy slopes. Summer months transform the valley into a verdant playground, ideal for hiking, mountain biking, and golfing. The Vail Nature Center and Betty Ford Alpine Gardens further emphasize the town's commitment to showcasing its natural beauty. For vacation home buyers, 81657 offers more than just property; it invites a lifestyle. From luxury condominiums with slope-side access to secluded mountain chalets, the real estate landscape here is as diverse as its recreational offerings. Investing in Vail is synonymous with embracing a world-class alpine experience, marked by luxury, leisure, and nature's magnificence.

Second Home Buyers2022 Data
Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Complete State-by-State Rankings

The following table shows the top vacation home ZIP code for each state, demonstrating the geographic diversity of second-home markets:

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Age Group Representation
Average Property Value
Average Downpayment Size
Average Mortgage Payment

Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau

Market Analysis by Region

Coastal Markets

Coastal destinations dominate the highest-concentration vacation home markets:

  • Stone Harbor, NJ: 96.05% market share, average loans of $1.63 million
  • Fenwick Island, DE: 91.67% market share, strong barrier island appeal
  • Naples, FL: 86.67% market share, luxury Gulf Coast destination
  • Nantucket, MA: 85.71% market share, prestigious island retreat

Mountain Destinations

Mountain communities attract significant vacation home investment:

  • Vail, CO: 82.35% market share, world-class ski resort
  • Banner Elk, NC: 84.26% market share, Blue Ridge Mountains
  • Ludlow, VT: 86.76% market share, New England ski country
  • Big Sky, MT: 53.40% market share, highest average loans at $2.96 million

Lake and Wilderness Areas

Natural settings create strong vacation home markets:

  • Broken Bow, OK: 87.80% market share, lake and forest recreation
  • Durbin, WV: 82.61% market share, Appalachian wilderness
  • Rangeley, ME: 79.31% market share, pristine lake country

Price Variations by Market

Vacation home markets show significant price diversity:

  • Premium Markets: $2-3+ million average loans (Nantucket, Naples, Big Sky)
  • Mid-Range Markets: $600K-$1.7 million average loans (Vail, Stone Harbor, Westerly)
  • Affordable Markets: $141K-$600K average loans (University KS, Durbin WV, Banner Elk NC)

Methodology

Data for this study was sourced from the FFEIC, specifically the 2018-2022 Snapshot National Loan Level Dataset. These datasets include national HMDA data filed by U.S. mortgage lenders as of April 30, 2022. To protect privacy, some data is modified.

Study Parameters

This study focuses on:

  • Buyers of 1-4 unit residential properties
  • All 50 states and the District of Columbia
  • Second or vacation home buyers only
  • Exclusion of construction loans and open-ended mortgages

Data Processing

Our analysis involved:

  • Advanced database queries joining datasets from the Loan Application Register and U.S. Census Bureau
  • Processing over 30 GB of data to extract necessary information
  • Removal of outlier data from withdrawn or incomplete mortgage applications (less than 0.5% of total data)
  • Robust HMDA data analysis with precise database queries

How To Share Our Research

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