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San Diego city, CA

ZIP 92102 — 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 92102

Median Home Value
$646,600
Median Rent
$1,753
Affordability Snapshot
$178,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,154/mo PITI).

29%
Rent-to-Income Ratio

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

9.1x
Home Price-to-Income Ratio

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

30.7 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 92102 in San Diego city, CA, a household would need roughly $178,000 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 $4,154. That is about 150% above the local median household income ($71,319), 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
31.0%-53% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
6.6%-49% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
31.5%-37% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$646,600
Home Value
$1,753
Rent
1963
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 detached39.3%
  • 1-unit attached10.6%
  • 2-9 units24.9%
  • 10+ units22.5%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$646,600
Median rent$1,753
Owner-occupied31.0%
Vacant6.5%
Price-to-income9.1x
Est. income to buy$178,000