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21 BANNER YEAR FOR MOST EXPENSIVE ZIP CODES Even as inflation and higher interest drag the economy across hot coals, that news hasn't made it to some of the most expensive ZIP codes to live in, as 86 of the top 100 most expensive ZIP codes saw median prices increase within their bounds. All that being said, prices among these 100 ZIP codes did moderate compared to 2021 as median home prices increased by 25% or more in just 16 ZIP codes in 2022 compared to the 25 reported last year. Overall, 2022 median price changes ranged between +39% and -41%. Despite this slower pace of growth, a record 128 ZIP codes posted the 100 highest median sale prices this year (the result of 22 ties). And they also reached new heights that might have been unimaginable just a few years ago. Among them were Atherton, California's $7.9 million median; the $2.9 million median in Paradise Valley, Arizona; and the $4.75 million median in Medina, Washington. is information comes by way of a new study from PropertyShark, which tabulated this information using actual closed sales prices to reflect real market conditions and not listing prices. Specifically, the five priciest ZIP codes in the country posted medians of $5 million or more, with a total of 14 ZIP codes surpassing the $4 million threshold. In fact, of the 128 ZIP codes that made the list, only 27 had medians below $2 million—and those, too, stayed above $1.7 million. By the numbers, the top 10 most expen- sive ZIP codes were: » Atherton, California: $7.9 million » Sagaponack, New York: $5.75 million » Ross, California: $5.5 million » Miami Beach, Florida: $5.2 million » Beverly Hills, California: $5.12 million » Medina, Washington: $4.75 million » Santa Monica, California: $4.4 million » Santa Barbara, California: $4.3 million » Newport Beach, California: $4.3 million » Rancho Santa Fe, California: 4.27 million American Gen Z (15% vs. 5%). » Black/African American Gen Z is nearly twice as likely to say they currently invest or are considering investing in cryptocurrencies than non-Black/African American Gen Z (22% vs. 12%). » While Black/African American Gen Z is more likely to have debt than their counterparts (60% vs. 44%), this is down from 70% year over year. » is community is more likely to cite taking on too much student loan and/or credit card debt as their biggest financial regret (30% vs. 17%). » Forty percent contributed to their savings over the last year (vs. 56% of non-Black/African American Gen Z). However, two-thirds (67%) don't have enough emergency savings to cover three months of expenses—with one- third (32%) of all Black/African American Gen Z citing not having an emergency fund as their biggest financial regret. » Gen Z women's financial literacy gaps and lack of investing, relative to men, may negatively impact their near and long-term financial wellness. » Gen Z women and men feel equally equipped to build/maintain credit (64% vs. 66%) and stick to a budget (69% vs. 73%). » However, Gen Z women feel less equipped to manage day-to-day expenses (63% vs. 76%) and to build an emergency fund (48% vs. 61%). Just 38% of Gen Z women have enough emergency savings to last three months, compared to 48% of Gen Z men. » In terms of longer-term planning and investing, Gen Z women's financial knowledge has them feeling less equipped than Gen Z men to save for retirement (37% vs. 49%) and to invest (22% vs. 35%). » Today, 41% of Gen Z women have not yet begun investing, compared to 34% of men, and are less likely to even be considering individual investments (36% vs. 47%) or retirement savings vehicles such as a 401(k) (39% vs. 46%). » "We recognize the unique financial needs across diverse and historically underserved communities," Channels said. "e insights from this annual research help to inform how we tailor resources and guidance to empower the next generation as they embark on their financial journeys. Last year, for instance, we developed a Gen Z financial guide based on insights into the priorities, preferences, and challenges of this growing client segment." Journal