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Rancho San Diego CDP, CA

ZIP 92019 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92019

Median Home Value
$727,400
Median Rent
$1,900
Affordability Snapshot
$200,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,673/mo PITI).

23%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

31.9 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 92019 in Rancho San Diego CDP, CA, a household would need roughly $200,000 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 $4,673. That is about 101% above the local median household income ($99,266), 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
67.3%+3% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
0.0%-100% vs US avg
x
Rent Burden >30%
34.3%-31% vs US avg
x
Mortgage-Free
27.4%-28% vs US avg
x
$727,400
Home Value
$1,900
Rent
1983
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.0%
  • 1-unit attached5.2%
  • 2-9 units10.9%
  • 10+ units15.0%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$727,400
Median rent$1,900
Owner-occupied67.3%
Vacant5.3%
Price-to-income7.3x
Est. income to buy$200,000