US5.com
  1. Home
  2. States
  3. California
  4. ZIP 92114
  5. Housing & Real Estate
San Diego city, CA

ZIP 92114 — 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 92114

Median Home Value
$604,300
Median Rent
$1,559
Affordability Snapshot
$166,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,882/mo PITI).

21%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

32.3 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 92114 in San Diego city, CA, a household would need roughly $166,000 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 $3,882. That is about 84% above the local median household income ($90,171), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.2%+7% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
32.1%-35% vs US avg
x
Mortgage-Free
28.7%-25% vs US avg
x
$604,300
Home Value
$1,559
Rent
1971
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached82.2%
  • 1-unit attached2.4%
  • 2-9 units6.1%
  • 10+ units6.4%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$604,300
Median rent$1,559
Owner-occupied70.2%
Vacant3.0%
Price-to-income6.7x
Est. income to buy$166,000