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ZIP 92038 — 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 92038

Median Home Value
$1,546,900
Median Rent
$2,659
Affordability Snapshot
$426,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,937/mo PITI).

25%
Rent-to-Income Ratio

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

11.9x
Home Price-to-Income Ratio

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

48.5 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 92038, a household would need roughly $426,000 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 $9,937. That is about 228% above the local median household income ($129,688), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
41.2%-37% vs US avg
x
Vacancy Rate
28.6%+178% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
42.8%-14% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$1,546,900
Home Value
$2,659
Rent
1970
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 detached43.8%
  • 1-unit attached6.4%
  • 2-9 units10.0%
  • 10+ units39.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,546,900
Median rent$2,659
Owner-occupied41.2%
Vacant28.6%
Price-to-income11.9x
Est. income to buy$426,000