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ZIP 92235 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92235

Median Home Value
$643,700
Median Rent
$2,426
Affordability Snapshot
$177,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,135/mo PITI).

36%
Rent-to-Income Ratio

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

8.0x
Home Price-to-Income Ratio

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

22.1 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 92235, a household would need roughly $177,000 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 $4,135. That is about 119% above the local median household income ($80,887), 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

Vacancy rate 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.4%+40% vs US avg
x
Vacancy Rate
36.0%+250% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
4.9%-29% vs US avg
x
Rent Burden >30%
35.5%-29% vs US avg
x
Mortgage-Free
56.6%+48% vs US avg
x
$643,700
Home Value
$2,426
Rent
2002
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached57.7%
  • 1-unit attached16.1%
  • 2-9 units5.3%
  • 10+ units0.4%
  • Mobile home & other20.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$643,700
Median rent$2,426
Owner-occupied91.4%
Vacant36.0%
Price-to-income8.0x
Est. income to buy$177,000