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Ramona CDP, CA

ZIP 92065 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92065

Median Home Value
$731,500
Median Rent
$1,773
Affordability Snapshot
$201,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,699/mo PITI).

18%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

34.4 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 92065 in Ramona CDP, CA, a household would need roughly $201,000 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 $4,699. That is about 67% above the local median household income ($120,550), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
3.1%-69% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
22.8%-40% vs US avg
x
$731,500
Home Value
$1,773
Rent
1985
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 detached76.6%
  • 1-unit attached6.4%
  • 2-9 units4.3%
  • 10+ units7.9%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$731,500
Median rent$1,773
Owner-occupied76.5%
Vacant3.1%
Price-to-income6.1x
Est. income to buy$201,000