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Imperial Beach city, CA

ZIP 91932 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 91932

Median Home Value
$811,000
Median Rent
$1,829
Affordability Snapshot
$223,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,210/mo PITI).

28%
Rent-to-Income Ratio

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

10.3x
Home Price-to-Income Ratio

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

37.0 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 91932 in Imperial Beach city, CA, a household would need roughly $223,000 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 $5,210. That is about 182% above the local median household income ($79,071), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
30.7%-53% vs US avg
x
Vacancy Rate
9.4%-9% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
29.1%-41% vs US avg
x
Mortgage-Free
34.7%-9% vs US avg
x
$811,000
Home Value
$1,829
Rent
1972
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached39.4%
  • 1-unit attached10.9%
  • 2-9 units26.5%
  • 10+ units22.1%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$811,000
Median rent$1,829
Owner-occupied30.7%
Vacant9.4%
Price-to-income10.3x
Est. income to buy$223,000