US5.com
  1. Home
  2. States
  3. California
  4. ZIP 92056
  5. Housing & Real Estate
Oceanside city, CA

ZIP 92056 — 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 92056

Median Home Value
$696,400
Median Rent
$2,286
Affordability Snapshot
$192,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,473/mo PITI).

27%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

25.4 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 92056 in Oceanside city, CA, a household would need roughly $192,000 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 $4,473. That is about 87% above the local median household income ($102,570), 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
67.2%+3% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.1%-83% vs US avg
x
Rent Burden >30%
27.9%-44% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$696,400
Home Value
$2,286
Rent
1986
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 detached58.5%
  • 1-unit attached18.4%
  • 2-9 units13.0%
  • 10+ units8.2%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$696,400
Median rent$2,286
Owner-occupied67.2%
Vacant4.9%
Price-to-income6.8x
Est. income to buy$192,000