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Chula Vista city, CA

ZIP 91914 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 91914

Median Home Value
$960,000
Median Rent
$2,850
Affordability Snapshot
$264,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,167/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 91914 in Chula Vista city, CA, a household would need roughly $264,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,167. That is about 61% above the local median household income ($164,398), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
77.9%+19% vs US avg
x
Vacancy Rate
1.6%-84% vs US avg
x
Broadband Access
98.3%+13% vs US avg
x
4+ Bedrooms
26.7%+81% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
21.1%-57% vs US avg
x
Mortgage-Free
18.4%-52% vs US avg
x
$960,000
Home Value
$2,850
Rent
2004
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.1%
  • 1-unit attached13.7%
  • 2-9 units2.3%
  • 10+ units3.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$960,000
Median rent$2,850
Owner-occupied77.9%
Vacant1.6%
Price-to-income5.8x
Est. income to buy$264,000