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Vista city, CA

ZIP 92084 — 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 92084

Median Home Value
$745,800
Median Rent
$1,841
Affordability Snapshot
$205,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,791/mo PITI).

23%
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.

33.8 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 92084 in Vista city, CA, a household would need roughly $205,000 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 $4,791. That is about 110% above the local median household income ($97,410), 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
57.6%-12% vs US avg
x
Vacancy Rate
4.4%-58% vs US avg
x
Broadband Access
94.9%+9% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
28.2%-43% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$745,800
Home Value
$1,841
Rent
1979
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 detached58.9%
  • 1-unit attached7.1%
  • 2-9 units12.3%
  • 10+ units16.3%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$745,800
Median rent$1,841
Owner-occupied57.6%
Vacant4.4%
Price-to-income7.7x
Est. income to buy$205,000