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San Diego city, CA

ZIP 92129 — Housing & Real Estate

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

Wealthy AreaLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92129

Median Home Value
$1,018,100
Median Rent
$2,494
Affordability Snapshot
$280,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,540/mo PITI).

20%
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.

34.0 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 92129 in San Diego city, CA, a household would need roughly $280,000 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 $6,540. That is about 83% above the local median household income ($152,626), 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
72.5%+11% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
11.5%-22% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
25.1%-50% vs US avg
x
Mortgage-Free
26.2%-31% vs US avg
x
$1,018,100
Home Value
$2,494
Rent
1986
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.8%
  • 1-unit attached7.3%
  • 2-9 units15.7%
  • 10+ units8.9%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,018,100
Median rent$2,494
Owner-occupied72.5%
Vacant3.0%
Price-to-income6.7x
Est. income to buy$280,000