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ZIP 92165 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92165

Median Home Value
$575,800
Median Rent
$1,513
Affordability Snapshot
$159,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,699/mo PITI).

33%
Rent-to-Income Ratio

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

10.5x
Home Price-to-Income Ratio

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

31.7 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 92165, a household would need roughly $159,000 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 $3,699. That is about 189% above the local median household income ($54,944), 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
9.2%-86% vs US avg
x
Vacancy Rate
2.7%-73% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.3%-29% vs US avg
x
Mortgage-Free
11.3%-71% vs US avg
x
$575,800
Home Value
$1,513
Rent
1973
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached28.9%
  • 1-unit attached1.3%
  • 2-9 units39.0%
  • 10+ units30.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$575,800
Median rent$1,513
Owner-occupied9.2%
Vacant2.7%
Price-to-income10.5x
Est. income to buy$159,000