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San Marcos city, CA

ZIP 92078 — 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 92078

Median Home Value
$874,000
Median Rent
$2,282
Affordability Snapshot
$241,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,614/mo PITI).

24%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

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

31.9 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 92078 in San Marcos city, CA, a household would need roughly $241,000 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 $5,614. That is about 110% above the local median household income ($114,905), 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
71.3%+9% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
0.0%-100% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
27.5%-45% vs US avg
x
Mortgage-Free
27.4%-28% vs US avg
x
$874,000
Home Value
$2,282
Rent
1998
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 detached53.8%
  • 1-unit attached13.0%
  • 2-9 units7.0%
  • 10+ units14.6%
  • Mobile home & other11.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$874,000
Median rent$2,282
Owner-occupied71.3%
Vacant4.8%
Price-to-income7.6x
Est. income to buy$241,000