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Chula Vista city, CA

ZIP 91915 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 91915

Median Home Value
$719,600
Median Rent
$2,664
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,623/mo PITI).

23%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

22.5 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 91915 in Chula Vista city, CA, a household would need roughly $198,000 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 $4,623. That is about 43% above the local median household income ($138,283), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
99.0%+14% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
11.8%-69% vs US avg
x
$719,600
Home Value
$2,664
Rent
2005
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached54.0%
  • 1-unit attached26.7%
  • 2-9 units8.7%
  • 10+ units10.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$719,600
Median rent$2,664
Owner-occupied71.6%
Vacant3.0%
Price-to-income5.2x
Est. income to buy$198,000