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Valley Center CDP, CA

ZIP 92082 — 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 92082

Median Home Value
$779,500
Median Rent
$1,198
Affordability Snapshot
$215,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,007/mo PITI).

12%
Rent-to-Income Ratio

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

6.6x
Home Price-to-Income Ratio

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

54.2 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 92082 in Valley Center CDP, CA, a household would need roughly $215,000 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 $5,007. That is about 81% above the local median household income ($118,602), 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
88.0%+34% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
7.9%-46% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
3.4%-51% vs US avg
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$779,500
Home Value
$1,198
Rent
1984
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached2.1%
  • 2-9 units0.1%
  • 10+ units0.3%
  • Mobile home & other18.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$779,500
Median rent$1,198
Owner-occupied88.0%
Vacant8.4%
Price-to-income6.6x
Est. income to buy$215,000