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San Diego city, CA

ZIP 92107 — 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 92107

Median Home Value
$1,218,200
Median Rent
$2,032
Affordability Snapshot
$335,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,825/mo PITI).

23%
Rent-to-Income Ratio

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

11.4x
Home Price-to-Income Ratio

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

50.0 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 92107 in San Diego city, CA, a household would need roughly $335,000 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 $7,825. That is about 212% above the local median household income ($107,262), 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
37.2%-43% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
13.2%+3% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
28.5%-25% vs US avg
x
$1,218,200
Home Value
$2,032
Rent
1962
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 detached46.4%
  • 1-unit attached6.7%
  • 2-9 units25.3%
  • 10+ units21.3%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,218,200
Median rent$2,032
Owner-occupied37.2%
Vacant6.6%
Price-to-income11.4x
Est. income to buy$335,000