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San Marcos city, CA

ZIP 92069 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92069

Median Home Value
$714,700
Median Rent
$1,989
Affordability Snapshot
$197,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,591/mo PITI).

26%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

29.9 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 92069 in San Marcos city, CA, a household would need roughly $197,000 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 $4,591. That is about 112% above the local median household income ($93,065), 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
55.8%-15% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
35.2%-29% vs US avg
x
Mortgage-Free
28.2%-26% vs US avg
x
$714,700
Home Value
$1,989
Rent
1987
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached50.3%
  • 1-unit attached8.2%
  • 2-9 units9.6%
  • 10+ units23.9%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$714,700
Median rent$1,989
Owner-occupied55.8%
Vacant4.1%
Price-to-income7.7x
Est. income to buy$197,000