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San Diego city, CA

ZIP 92120 — 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 92120

Median Home Value
$870,200
Median Rent
$2,202
Affordability Snapshot
$240,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,590/mo PITI).

23%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

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

32.9 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 92120 in San Diego city, CA, a household would need roughly $240,000 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 $5,590. That is about 109% above the local median household income ($114,579), 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
64.3%-2% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
31.7%-36% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$870,200
Home Value
$2,202
Rent
1972
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 detached57.3%
  • 1-unit attached7.6%
  • 2-9 units3.2%
  • 10+ units30.7%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$870,200
Median rent$2,202
Owner-occupied64.3%
Vacant6.8%
Price-to-income7.6x
Est. income to buy$240,000