The ultra-luxury real estate market in the United States continues to captivate with sky-high prices and unmatched exclusivity. According to a
Realtor.com report published on August 26, 2025, the 10 most expensive ZIP codes in the U.S. require a median asking price exceeding $6 million to make the elite list. These enclaves feature sprawling estates, oceanfront vistas, gated privacy, and celebrity appeal, with California and New York dominating, alongside a few standout spots in Florida.
The top spot goes to 33109 in Fisher Island, just off Miami Beach, where median listings reach an astonishing $11.9 million. This private island, accessible only by ferry, yacht, or helicopter, remains a haven for the ultra-wealthy, with homes (mostly condos and villas) averaging 3,800 square feet and many changing hands privately.
The list then features several Southern California gems, like 92657 in Newport Coast (median $9.1 million), with guard-gated communities and resort-style amenities, and 90077 in Bel Air ($8.2 million), known for its star-studded glamour and canyon views.
New York's Hamptons shine with 11932 in Bridgehampton ($8.5 million) and 11976 in Water Mill ($6.85 million), offering classic East End estates with equestrian facilities and beach proximity.
Other highlights include Montecito (93108, around $7 million), home to high-profile residents like Oprah and the Sussexes, and Malibu (90265, around $6 million), with cliffside oceanfront retreats that retain strong appeal despite occasional challenges like wildfires.
These Malibu-style oceanfront mansions exemplify the dramatic coastal luxury at the heart of many top ZIP codes:
While these ultra-elite areas command seven- and eight-figure prices, Florida's Treasure Coast offers its own brand of coastal luxury at a more approachable (yet still premium) level. Vero Beach and Hutchinson Island, with ZIP codes like 32963 (Vero Beach barrier island) and 34949 (Hutchinson Island), showcase beautiful oceanfront estates and gated communities amid serene beaches, nature preserves, and a relaxed vibe.
Vero Beach features elegant oceanfront homes blending modern design with classic Florida charm:
Hutchinson Island's luxury properties, often with direct beach access and surrounded by parkland, provide a peaceful alternative:
As of late 2025, median home prices in these areas hover in the $400K–$600K range overall, with luxury single-family and oceanfront properties reaching into the millions—far more attainable than the national top 10, yet offering similar coastal exclusivity without the frenzy.
In a market where scarcity and prestige drive values, these top 10 ZIP codes highlight where the wealthiest buyers concentrate. Meanwhile, hidden gems like Vero Beach and Hutchinson Island remind us that Florida's coastline holds plenty of luxury appeal beyond the headlines. Whether you're dreaming of ultra-elite seclusion or refined coastal living, the American real estate landscape continues to dazzle.
