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ZIP 92023 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92023

Median Home Value
$971,822
Median Rent
$2,362
Affordability Snapshot
$268,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,243/mo PITI).

27%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

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

34.3 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 92023, a household would need roughly $268,000 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 $6,243. That is about 155% above the local median household income ($105,301), 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

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.7%-21% vs US avg
x
Vacancy Rate
10.3%+0% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
47.0%+23% vs US avg
x
$971,822
Home Value
$2,362
Rent
1981
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached30.8%
  • 1-unit attached21.2%
  • 2-9 units10.7%
  • 10+ units26.6%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$971,822
Median rent$2,362
Owner-occupied51.7%
Vacant10.3%
Price-to-income9.2x
Est. income to buy$268,000