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Encinitas city, CA

ZIP 92024 — 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 AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92024

Median Home Value
$1,409,700
Median Rent
$2,504
Affordability Snapshot
$388,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,056/mo PITI).

20%
Rent-to-Income Ratio

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

9.5x
Home Price-to-Income Ratio

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

46.9 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 92024 in Encinitas city, CA, a household would need roughly $388,000 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 $9,056. That is about 160% above the local median household income ($149,080), 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
67.7%+3% vs US avg
x
Vacancy Rate
8.5%-18% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
9.2%-38% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
37.7%-1% vs US avg
x
$1,409,700
Home Value
$2,504
Rent
1981
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 detached57.1%
  • 1-unit attached16.2%
  • 2-9 units9.6%
  • 10+ units13.1%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,409,700
Median rent$2,504
Owner-occupied67.7%
Vacant8.5%
Price-to-income9.5x
Est. income to buy$388,000