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Bonsall CDP, CA

ZIP 92003 — 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 92003

Median Home Value
$910,600
Median Rent
$2,054
Affordability Snapshot
$251,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,849/mo PITI).

22%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

36.9 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 92003 in Bonsall CDP, CA, a household would need roughly $251,000 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 $5,849. That is about 127% above the local median household income ($110,577), 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
67.4%+3% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
98.4%+13% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
5.5%-21% vs US avg
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
30.0%-21% vs US avg
x
$910,600
Home Value
$2,054
Rent
1988
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 detached70.4%
  • 1-unit attached11.8%
  • 2-9 units5.8%
  • 10+ units10.0%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$910,600
Median rent$2,054
Owner-occupied67.4%
Vacant5.2%
Price-to-income8.2x
Est. income to buy$251,000