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Carlsbad city, CA

ZIP 92010 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92010

Median Home Value
$1,016,400
Median Rent
$2,451
Affordability Snapshot
$280,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,529/mo PITI).

24%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

34.6 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 92010 in Carlsbad city, CA, a household would need roughly $280,000 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 $6,529. That is about 132% above the local median household income ($120,612), 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
62.8%-4% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
30.5%-39% vs US avg
x
Mortgage-Free
36.6%-4% vs US avg
x
$1,016,400
Home Value
$2,451
Rent
1993
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 detached52.5%
  • 1-unit attached20.0%
  • 2-9 units11.1%
  • 10+ units12.2%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,016,400
Median rent$2,451
Owner-occupied62.8%
Vacant4.5%
Price-to-income8.4x
Est. income to buy$280,000