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Vallecito CDP, CA

ZIP 95251 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95251

Median Home Value
$389,900
Median Rent
N/A
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,505/mo PITI).

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 95251 in Vallecito CDP, CA, a household would need roughly $107,000 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 $2,505. That is roughly in line with the local median household income ($101,111). 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
87.9%+34% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
64.3%-26% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
33.3%-13% vs US avg
x
$389,900
Home Value
N/A
Rent
1988
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached85.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$389,900
Median rent$-666,666,666
Owner-occupied87.9%
Vacant5.3%
Price-to-income3.9x
Est. income to buy$107,000