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ZIP 92196 — Housing & Real Estate

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

Upper Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92196

Median Home Value
$776,500
Median Rent
$1,915
Affordability Snapshot
$214,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,988/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.

33.8 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 92196, a household would need roughly $214,000 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 $4,988. That is about 85% above the local median household income ($115,942), 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
60.7%-7% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$776,500
Home Value
$1,915
Rent
1976
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 detached68.0%
  • 1-unit attached6.2%
  • 2-9 units16.4%
  • 10+ units2.9%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$776,500
Median rent$1,915
Owner-occupied60.7%
Vacant4.9%
Price-to-income6.7x
Est. income to buy$214,000