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ZIP 92046 — Housing & Real Estate

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

Working ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92046

Median Home Value
$495,300
Median Rent
$1,213
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,182/mo PITI).

27%
Rent-to-Income Ratio

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

9.0x
Home Price-to-Income Ratio

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

34.0 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 92046, a household would need roughly $136,000 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 $3,182. That is about 148% above the local median household income ($54,900), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.1%-23% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
5.9%-15% vs US avg
x
Rent Burden >30%
61.6%+24% vs US avg
x
Mortgage-Free
49.3%+29% vs US avg
x
$495,300
Home Value
$1,213
Rent
1979
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 detached32.1%
  • 1-unit attached0.9%
  • 2-9 units21.7%
  • 10+ units26.8%
  • Mobile home & other18.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$495,300
Median rent$1,213
Owner-occupied50.1%
Vacant2.9%
Price-to-income9.0x
Est. income to buy$136,000