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Chula Vista city, CA

ZIP 91913 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 91913

Median Home Value
$750,000
Median Rent
$2,683
Affordability Snapshot
$206,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,818/mo PITI).

25%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.8x
Home Price-to-Income Ratio

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

23.3 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 91913 in Chula Vista city, CA, a household would need roughly $206,000 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 $4,818. That is about 59% above the local median household income ($129,412), 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
72.6%+11% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
10.3%-30% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
22.6%-41% vs US avg
x
$750,000
Home Value
$2,683
Rent
2004
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached55.4%
  • 1-unit attached19.4%
  • 2-9 units9.5%
  • 10+ units14.0%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$750,000
Median rent$2,683
Owner-occupied72.6%
Vacant4.4%
Price-to-income5.8x
Est. income to buy$206,000