US5.com
  1. Home
  2. States
  3. California
  4. ZIP 92105
  5. Housing & Real Estate
San Diego city, CA

ZIP 92105 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92105

Median Home Value
$593,800
Median Rent
$1,594
Affordability Snapshot
$163,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,814/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.

31.0 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 92105 in San Diego city, CA, a household would need roughly $163,000 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 $3,814. That is about 150% above the local median household income ($65,174), 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
32.3%-51% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.0%-99% vs US avg
x
Rent Burden >30%
30.8%-38% vs US avg
x
Mortgage-Free
30.0%-22% vs US avg
x
$593,800
Home Value
$1,594
Rent
1970
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached43.5%
  • 1-unit attached7.0%
  • 2-9 units25.6%
  • 10+ units22.0%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$593,800
Median rent$1,594
Owner-occupied32.3%
Vacant5.0%
Price-to-income9.1x
Est. income to buy$163,000