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San Diego city, CA

ZIP 92108 — 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 92108

Median Home Value
$606,600
Median Rent
$2,570
Affordability Snapshot
$167,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,897/mo PITI).

30%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

6.0x
Home Price-to-Income Ratio

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

19.7 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 92108 in San Diego city, CA, a household would need roughly $167,000 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 $3,897. That is about 64% above the local median household income ($101,704), 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
28.8%-56% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
97.0%+12% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
22.5%-41% vs US avg
x
$606,600
Home Value
$2,570
Rent
1998
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached3.2%
  • 1-unit attached10.5%
  • 2-9 units17.4%
  • 10+ units68.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$606,600
Median rent$2,570
Owner-occupied28.8%
Vacant6.8%
Price-to-income6.0x
Est. income to buy$167,000