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Vista city, CA

ZIP 92081 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92081

Median Home Value
$774,800
Median Rent
$2,245
Affordability Snapshot
$213,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,977/mo PITI).

26%
Rent-to-Income Ratio

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

7.5x
Home Price-to-Income Ratio

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

28.8 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 92081 in Vista city, CA, a household would need roughly $213,000 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 $4,977. That is about 107% above the local median household income ($102,663), 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
53.2%-19% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
1.0%-93% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
31.2%-37% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$774,800
Home Value
$2,245
Rent
1988
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached56.3%
  • 1-unit attached6.1%
  • 2-9 units8.5%
  • 10+ units23.7%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$774,800
Median rent$2,245
Owner-occupied53.2%
Vacant3.9%
Price-to-income7.5x
Est. income to buy$213,000